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NPL-UTP Management

Improve the recovery performance of NPL and UTP

A complete and reliable credit management


Cerved Credit Management offers a full range of services for the evaluation and management of distressed credit. We are experts in all types of credit, both secured and unsecured. We handle each case by leveraging our databases to identify the best strategy and use diagnostics to maximize portfolio value by drawing on the Cerved data universe.

A set of services dedicated to managing distressed credit

Our range includes:

  • NPE Servicing: Servicing interventions to support financial deleveraging, through quick extrajudicial actions, legal activation, and single name/batch assignments.
  • UTP Servicing: Management of Unlikely to Pay (UTP) portfolios through in-depth portfolio analysis, identification of the best recovery strategies, and implementation of customized debt restructuring solutions.
  • Stage 2 Servicing: Portfolio diagnostics in Stage 2 through interviews and data analysis, strategy definition, and execution.
  • Asset Management: Evaluation and management of credit, public guarantees, movable assets (nautical, registered, instrumental), and real estate (residential and commercial) backing the credits or granted through leasing.

Strategy and workflow-driven operations: our hallmark

The credit servicing activity is supported by a management platform that codifies the actions that guarantee the highest level of performance. Additionally, a monitoring dashboard allows you to have full visibility into the status of your case. We combine processes, data, and algorithms, offering the support of applications and experts throughout the entire credit lifecycle.

Asset management

With over 20 years of experience in the leasing sector, the Asset Management team consists of a network of professionals across Italy, capable of offering personalized services for both individual and bulk assets. We identify the best exit strategies for each position, optimizing the asset management and valuation process.

Features

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Synergy between Business Intelligence, Data Management, and operational credit management
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Extensive experience in managing portfolios from performing to non-performing loans (Stage 1, Stage 2, Stage 3)
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Specialized desk for primary/secondary markets with an excellent track record
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Strong internal control and compliance processes, aligned with ESMA and BANKIT requirements

Rely on us to boost your recovery performance.