Panda for UTP & NPL

Panda is a digital platform designed for the integrated management of UTP and NPL portfolios, supporting the daily operations of Master and Special Servicers as well as credit funds.

The solution centralises portfolio management, monitoring, and valuation activities, offering a scalable environment fully aligned with regulatory requirements.

The platform automates key workflows across the entire credit recovery lifecycle, including payment flow reconciliation, SPV and securitisation management, impairment calculation, reporting, and audit. Native integration with external systems allows efficient administration of single or bulk positions, monitoring of repayment plans, handling of legal cases and structured reporting for securitisation vehicles.

Panda embeds complete AML and supervisory reporting modules, ensuring full traceability and continuous compliance with regulatory obligations.‑reporting modules, ensuring full traceability and continuous compliance with regulatory obligations.

Through dedicated dashboards and real-time visibility on cash flows, risk indicators and operational metrics, the platform reduces manual effort, improves efficiency, and enhances the overall value of managed distressed credit portfolios.