Credit management & digital receivables
We provide innovative solutions for credit management at every stage. Thanks to a scalable business model and a cutting-edge technological infrastructure, we complement our established credit management expertise with the strategic development of fully digitalised solutions for non-banking credit.
We support our stakeholders in enhancing the value of their portfolios, ensuring accountability, transparency, and operational solidity.
INFOGRAPHICS
Credit management
Debt servicing & collections
End-to-end management of collection activities, from the out-of-court phase to cash flow management, with a constant focus on performance KPIs.
Loan restructuring
Debt restructuring strategies aimed at stabilizing the debtor's position and preserving the value of the exposure.
Collateral work-out
Operational activities aimed at enhancing the underlying collateral, accelerating collection times.
Specialisation along the value chain
Performing & Early Arrears
Proactive management of performing positions and early arrears to prevent credit deterioration.
UTP (Unlikely to Pay)
A dedicated team of experts managing UTP loans, aimed at helping companies return to performing status and ensuring business continuity.
NPL (Non-Performing Loans)
Industrial and legal management of non-performing loans, with consolidated processes for each asset class (Retail, Corporate, SME).
Real-estate servicing
Management and development of real estate assets (REO) and support for Real Estate Development to preserve and increase asset value over time.
Digital Receivables (powered by coeo)
Through a proprietary technological platform, we manage large-scale and high-volume non-banking commercial receivables, serving blue-chip clients in sectors such as E-commerce, Buy Now Pay Later (BNPL), Utilities and Telecommunications. We offer automated and digital collection management, capable of combining process efficiency with the safeguard of the relationship with the end customer.
- Automated workflow
Centralised management of large volumes of accounts with minimal manual intervention, ensuring maximum recovery speed.
- Omnichannel platform
A dedicated web portal allows customers to independently manage their position, activate repayment plans and make online payments, supported by instant messaging channels and advanced virtual interaction systems via voice agents.
- Solutions for digitaland commercial sectors
Expertise and operating models specifically designed tomeetthe speed and requirements of digital markets.
