Our Mission
Create meaningful solutions for real-world problems and make Manipur proud through excellence, innovation, and lasting impact.
Malem / Manipur, India / Global Ambition
From ManipurTo TheWorld
Malem is a technology company rising from the soil of Manipur—building world-class tech products that prove great innovation can emerge from anywhere on Earth.
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01 / About MalemMALEM—001
Born from
Overlooked
Soil.
Malem was built on a radical belief—that great companies can rise from anywhere. With the right vision, discipline, and courage, Manipur can produce technology that competes at a global level.
We represent a new generation of builders from Manipur—determined to create lasting value for businesses, industries, and society worldwide.
Build from Manipur. Solve for the world.
Malem / A point of origin
FromManipurto the world.
We are not waiting for permission.
We are building belief.
We are creating opportunity, and writing a new story for what Manipur can produce for the world.
Built in Manipur
Recova AI
Reduce Late Payments
Auto PTP Detection
Built in Manipur
Recova AI
Reduce Late Payments
Auto PTP Detection
02 / What drives usMALEM—002
Mission.
Vision.
Values.
Our Vision
Create technology that truly matters—intelligent systems that solve hard business problems with clarity, speed, and precision at global scale.
Build Belief
We build belief—in ourselves, in Manipur, and in what's possible from here.
Create Opportunity
Creating doors that didn't exist—for builders from overlooked places.
Leave a Legacy
A company that leaves a meaningful mark long after we're gone.
Recova AI — Continuous Loan Recovery, Engineered
Recover more capital. Reduce staff workload. Lower your cost per rupee.
Recova AI helps microfinance institutions recover overdue and at-risk payments through a continuous 30-day micro-collection cycle—so your team can manage thousands more accounts without adding headcount.
The problem
Recovery shouldn't depend on how many people you have.
A collections team can only make so many calls, visit so many groups, and remember so many payment commitments.
When you demand a painful, lump-sum payment on Day 30, borrowers who are short on cash pay nothing. And when hundreds of verbal promises need tracking, human memory fails. A missed follow-up becomes a missed payment.
More manual chasing.Skyrocketing field costs.Rising DPD.
The solution
Keep borrowers paying throughout the EMI cycle.
Recova AI doesn't wait until day 29 to panic. It acts as an autonomous Loan Recovery OS that keeps the repayment conversation active from Week 1 of the month.
Using automated IVR, WhatsApp prompts, and continuous micro-payment engagement, Recova AI absorbs the borrower's daily liquidity in bite-sized chunks—so the balance is cleared before the due date even hits.
How it works01 02 03 04 05
From full EMI pressure to continuous repayment.
Identify & Initiate
Starting in Week 1, Recova AI identifies accounts and begins gentle, automated outreach before delays happen.
Auto-Track PTPs via IVR
When a borrower verbally commits to a date over an automated IVR call, Recova AI instantly detects, logs, and tracks the Promise-to-Pay (PTP) without staff intervention.
Encourage Micro-Payments
Instead of waiting for the full amount, the OS nudges borrowers to make manageable partial payments via WhatsApp and SMS throughout the month.
Frictionless Collection
Every message carries an instant UPI QR code, making it effortless for borrowers to pay straight from their phone without a field visit.
Continue the Cycle
Recova AI never forgets. The system autonomously follows up on exact PTP dates, keeping the cycle active until 100% of the EMI is recovered.
What changes↓ ↑ ↑ ↓
Recover more without simply adding more people.
Lower recovery cost — automate repetitive calls and WhatsApp chasing, slashing the fuel and labor costs required per account.
More coverage — keep thousands of repayment commitments moving perfectly without requiring your staff to remember a single date.
Earlier repayment — secure micro-payments weeks before the due date, catching small delays before they escalate into NPAs.
Less manual chasing — your field officers stop acting like call-center agents and focus only on high-risk accounts that need human intervention.
Why Recova AI01 02 03
Built for real-world lending operations.
Designed for MFIs in Manipur & beyond
Built around the local languages, ground realities, and borrower behaviors of group lending.
Works with your team
Recova AI doesn't replace your core software or your staff—it acts as the intelligence layer on top of it.
Start with a pilot
Don't guess. Test Recova AI on a 500-account portion of your portfolio and measure the cost-savings before expanding.
Get started
Stop choosing between more staff and more recovery.
Recover more with the team you already have. Book a Recova AI pilot and see how much recovery activity can be automated across your portfolio.
05 / The people behind itMALEM—005
Malemnganba
Moirang.
Malemnganba Moirang is the Founder & CEO of Malem and Recova AI, based in Heirok Part 2 Maning Leikai, Manipur, Northeast India. A full-stack developer with one mission: to build a global technology giant from Manipur that solves real problems for people across the world—and makes Manipur proud doing it.
"I respond to every message personally. If you're a lender in Manipur or anywhere in Northeast India, reach out directly."
AdvisorAthokpam Tikendra
Athokpam Tikendra
Singh.
Athokpam Tikendra Singh advises Recova AI, bringing 33 years of experience across various capacities as a Retired Bank Manager with Manipur Rural Bank. His grounding in rural lending, borrower behavior, and on-the-ground banking realities shapes how Recova AI is built for institutions across Manipur.
06 / Our roadmapOur Journey
Our Journey
Is Just Beginning.
Each phase brings us closer to our ultimate goal—a globally respected technology company born and built in Manipur.
Now · Active
Founding & First Product
Malem Labs is founded. Recova AI development begins. The first line of code, written in Manipur.
Near-term
Recova AI Launch
MFIs and lenders in Manipur and Northeast India start collecting more—fewer late payments, fewer NPAs, same team.
Growth phase
Scale & Expand
Grow across industries. Build a world-class team from Manipur. Expand our product portfolio.
The vision
Global Tech Giant
A globally recognized technology company—built from Manipur, respected everywhere on Earth.
07 / Contact usBuild Something
Build Something
Bold Together.
Whether you're a potential partner, investor, customer, or someone who simply believes in what we're building—we'd love to hear from you.