Know who can afford it before you spend on the call.
A lead arrives as a phone number and a name. Income band, credit health, employment and life stage come back against it — so the list is ordered before the first dial, and the offer fits the person taking it.
Businesses already running on the graph.
Consumer businesses and platforms qualifying their own customers on ZipLabs data.
Selling money to people you cannot see.
Every one of these costs the same thing: effort spent on somebody who was never going to qualify.
Every lead looks identical on arrival
A name and a number, in the order they were bought. The rep finds out who they are on the call, which means the cost of qualifying is paid one dial at a time.
The offer is built for someone invisible
Ticket size, tenure and channel are decided before anything is known about the person. Approvals fall through at the end and the effort behind them is not recoverable.
Your own customers moved without telling you
Income went up, the job changed, the family grew. The record still says what it said at onboarding, so the top-up went to a competitor who asked first.
Qualification before the effort, not after it.
Each of these starts from an identifier you already hold and ends with a decision a rep can act on, on the record they already have open.
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as purchasedordered by propensitymost of the book, a sixth of the dialling
The list is ordered before the first dial
The same leads, sorted by who can afford the product and who is likely to want it now. Nothing is thrown away — the sequence changes, and the sequence is what the day is spent on.
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PR +91 ····· 4417 web form only Priya R. · Bengaluru unknown profiledmatching the identifier… assembling the profile… salaried · senior product manager · 6 yrs
A phone number becomes a person
One identifier is enough. Who they are, what they do and how long they have done it come back attached to the lead, before anyone picks up the phone to find out.
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AK A. Kulkarni profile only ₹35–50L · credit 800+ eligibleincome band 3 cards · 1 loan
What they can afford, before the offer
Income band, credit health and existing obligations sit on the lead while the offer is still being decided — so ticket size and tenure are set for a person rather than for a segment average.
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file: 4,000 purchased leadsscreening before the floor sees it…— unreachable number dropped— below the eligibility floor dropped1,190 removed · 2,810 worth dialling
Stop paying to dial the unreachable
Numbers that will not connect and people nowhere near the eligibility floor leave the file before it reaches the floor. The cost of a campaign is the calls made, so the saving is immediate.
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SM S. Menonsince 2021 change observed…income band up relocatedSMDVKP 3 accounts ready for a top-up
Your own book, watched for change
A raise, a new employer, a move, a life event. Each one is a reason to call an existing customer that did not exist last quarter — and the same signal, read the other way, is the first sign of churn.
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₹50L+ band800+ credit no active loanrouting the file…senior desk 240 of 4,000✓ the rest go to the digital journey
The big ticket reaches the senior desk
The handful of leads worth a relationship manager's hour are identified before the hour is spent. Everyone else goes down the self-serve journey, which is where they were always going to end up.
The profile, on the lead the rep opens.
The same profile, delivered either to your systems or into the CRM the sales floor already has open.
Consumer Intelligence
An identifier in, the person out — demographics and profession globally, with income band, credit health and obligations on top for India. By API, or as a list you send us and get back enriched.
Integrations
The same intelligence inside Zoho CRM or TeleCRM, filling in on every lead that enters the system or on a manual trigger. No API work, and nothing new for a rep to learn.
Built for a regulated floor.
Matching runs on hashed identifiers, consent and purpose are agreed before anything moves, and every attribute traces to where it came from. That is the part a risk committee reads, and it is why a field can be corrected when you tell us it is wrong.
Security & Trust Centre
EU & UK
California
Audited
What a lending team
asks first
Is this a credit bureau report?
No, and it does not replace one. Credit health here is a profile attribute for prioritising and sizing — deciding who is worth a call and roughly what to offer. The regulated pull you run before sanctioning still happens, on the far smaller set of people who reached that stage.
Which attributes are India-only?
Income band, credit health and existing obligations are India coverage. Demographics and professional data run globally on the same 1B+ person graph. If your book sits outside India, the demographic and professional package is the one that applies — see Consumer Intelligence for what each package contains.
We cannot send customer data to a vendor. Can this still work?
Yes. Matching runs on hashed identifiers, so the raw list does not have to leave your side to be scored. Scope, retention and purpose are written into the agreement before the first record moves; the Trust Centre has the detail your security review will want.
Do we have to build against an API?
Only if you want to. Three routes exist: the API for anything real time, an offline list you send us and get back enriched, and the CRM integration, where the profile appears on the lead record your team already works in.
How current is a profile when we get it?
The graph is monitored rather than snapshotted — over a million changes are observed and reconciled, so a job change or an income move updates the record instead of waiting for the next file. That is what makes watching your existing book worth doing at all.
See it run against your own leads.
Send a sample file. We will hand it back ordered, with the reason attached to every row, and you can check it against what those leads actually did.