NPL MANAGEMENT

Across the entire NPL lifecycle, combine QUALCO's market-leading systems and services to manage non-performing assets in a fair, transparent, and efficient manner.

NPL/NPE

A PROACTIVE MECHANISM

Over the last decade, the European non-performing loans (NPLs) and non-performing exposure (NPE) industry has matured, with loan sales and securitisations becoming the modus operandi for banks. Meanwhile, a growing number of investors have entered the NPL market.

But just as the market began to gain momentum, with steady growth, it was hit by Covid-19. The resulting fall in activity has been rapid and severe. This serious decline means that it essential for investors, banks, and other players in the NPL market to develop a strategy that allows them to identify and manage vulnerable loans.

Such a strategy starts with the creation of a proactive, tailored debt management mechanism. This mechanism requires accurate and timely loan and customer data, and this often entails changes to legacy IT systems.

UNIQUE BENEFITS

It becomes apparent that to keep liquidity, it is necessary to clear now those legacy impaired assets stemming from the global financial crisis, preparing for the new crop of pandemic-related NPLs.

QUALCO helps Banks and loan servicing organisations to adopt a proactive approach to managing NPLs by using advanced digital, self service, and analytics technology.

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ALL-IN-ONE SOLUTION

Handle everything from pre-delinquency through to collection, restructuring, legal action, and portfolio write-off.

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RECOGNISE CHANGE

Circumstances today call for adaptive models that are constantly updating and quickly recognise changes in behaviour, re-calibrating and/or rebuilding them when needed.

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PREDICT FUTURE BEHAVIOR

Applying early warning and forward-looking models can massively improve credit portfolio quality and reduce portfolio deterioration.

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A COMPLETE TECHNOLOGY ECOSYSTEM

The credit landscape has never been more challenging, but QUALCO's model-driven technology offers a unique, holistic approach to credit risk and debt management.

  • A solutions ecosystem for insight-driven NPE management
  • Access the capability of our existing technology in a single environment
  • Make timely, data-driven, accurate decisions and maximise ROI.
  • Drive major gains in agent productivity
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  • Modular debt management software that streamlines collections and receivables operations
  • Manage, automate, and standardise your organisation’s processes
  • Design, run and control optimised collections and recovery processes
  • Quickly set up self-service portals and digital journeys
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  • A powerful collections and receivables analytics platform
  • Ensure robust data management to fully leverage and control data gathered
  • Provide advanced analytics to enable more advanced decisioning and segmentation
  • Take full advantage of data to build sophisticated collections strategies
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  • Complete solution for loan management and loan servicing
  • Manage performing and non-performing loans with restructuring, rescheduling, interest billing and collection options
  • Quickly onboard portfolios and manage accounts with complete flexibility
  • Reduce the cost of in-house development and everyday operations efforts
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solutions

Related solutions

At whatever stage of the credit and debt lifecycle, our experienced team can advise, guide and improve your business performance.

DEBT COLLECTION

Manage early arrears with a strategy built on intelligence, experience and data-driven insights.

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DEBT RECOVERY

A comprehensive, complete solution for your debt portfolios.

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PORTFOLIO
ANALYTICS

Are you managing your portfolio in the most efficient way? Would your business benefit from improved insights and analysis?

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PORTFOLIO
TRANSACTIONS

Whether you’re a buyer or seller of major debt portfolios, QUALCO’s expertise and guidance will ensure you make the right deal for your business.

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