Skip Tracing_ The Smart Way to Locate Defaulters in India’s Digital Lending Era

1. Skip Tracing: The Smart Way to Locate Defaulters in India’s Digital Lending Era In the rapidly growing digital lending space, one challenge continues to haunt recovery teams and fintechs alike—how to find borrowers who’ve gone silent or vanished. Whether it’s an overdue EMI, an unresponsive customer, or a defaulted business loan, this is where skip tracing becomes indispensable. Gridlines delinquencies. Many defaulters use burner phones, falsified documents, or simply change addresses without notice. With traditional methods falling short, automated skip tracing solutions help organizations: What Is Skip Tracing? Skip tracingis the process of locating a person whose contact details are outdated, incorrect, or intentionally masked. Traditionally used in debt recovery and investigations, today’s skip tracing has evolved into a data-driven technique powered by AI and API integrations. It’s no longer just about knocking on doors—it’s about piecing together digital breadcrumbs. For fintechs, NBFCs, recovery agents, and legal teams, skip tracing is a critical tool for minimizing loss, speeding up resolution, and ensuring accountability in loan collections. Why Skip Tracing Matters Today India’s digital loan market has expanded at breakneck speed. Unfortunately, so have ● Track down individuals using alternate phone numbers, email addresses, or family references

2. ● Identify recent address history through telecom, employment, or utility data ● Connect multiple data points such as PAN, Aadhaar, employment, and more ● Prevent fraud by flagging identity mismatches or recycled information The ability to instantly access this information through an API can be a game changer—especially for platforms working with high application volumes or tight turnaround times. Gridlines ● Legal & Compliance Teams: Serve notices or conduct due diligence How Gridlines Makes Skip Tracing Smarter At Gridlines, our skip tracing solution is designed with speed, scale, and accuracy in mind. Instead of depending on manual checks or disconnected databases, we leverage a network of verified data sources and intelligent logic. With Gridlines’ skip tracing APIs, lenders and platforms can: ● Instantly fetch verified alternate contact details ● Pinpoint updated addresses and employment history ● Verify identity against trusted government and private data sets ● Automate workflows for collections or field visits Whether you're an NBFC handling consumer loans or a B2B platform facing commercial defaults, our API helps your operations become proactive rather than reactive. Use Cases: Who Needs Skip Tracing? ● Loan Recovery Teams: Reconnect with unreachable borrowers ● Insurance Investigators: Track fraudulent claims or policyholders ● Gig & Employment Platforms: Trace ex-employees or delivery partners Conclusion

3. As digital fraud grows more sophisticated, and customers become more mobile than ever, skip tracing isn’t just a nice-to-have—it’s a must. Gridlines offers a robust, plug-and-play skip tracingAPI that helps you close the loop faster, reduce bad debts, and maintain compliance. Looking to modernize your collections strategy? Start with smart skip tracing from Gridlines. Gridlines