Credit Management and Debt Collection

Services for managing non-performing loans and UtPs (Unlikely to Pay) are crucial for banks and the financial system, as they can offload NPLs or minimize risks related to potentially defaulting credits.

Credit management services now include various activities that allow banks to monitor credit from its early stages, tracking its progress to identify any anomalies or signs of potential deterioration. And therefore, to take proactive action.

We find technological services that leverage the analysis of customers' financial data and monitor the performance of individual positions and the aggregated credit portfolio, supporting the redefinition of credit policies.

When a default occurs, a debt recovery service intervenes in various ways to establish contact with debtors, negotiate and implement a repayment plan, up to litigation and the use of legal tools to recover the credit.

These credit management services are aimed at banks, financial companies, and consumer credit companies, as well as the many specialized players that purchase credit portfolios from banks or in the secondary market.

These players are offered specific expertise and know-how to optimize the management process, with the presence of advanced technologies, such as the use of chatbots and automatic responders for the quick handling of small-ticket items.