Non-performing Loans

Implementing a digital-enabled, industrialized approach to managing non-performing loan portfolios with speed and efficiency

Extract more value from loan portfolios

Non-performing loans (NPLs) are always an area of concern for banks, particularly where economic uncertainty persists. Delinquent loan portfolios equate to high cost of ownership (due to paper-intensive workflows, abundance of manual tasks and compliance legalities) and lower interest income that can yield poor profitability and regulatory capital.

Banks that take a digital-enabled, industrialized approach to managing their NPL volumes can extract more value throughout the loan lifecycle. We support our clients in using advanced data analytics and other digital technologies to better understand borrowers and improve NPL outcomes—less portfolio deterioration, lower costs and speedier recovery time.

Non-performing Loan capabilities

We help lenders shift the traditional NPL function from a service unit to a business unit that supports growth by achieving specific profit and recovery targets.

NPL management transformation

Empower recovery and collections functions with advanced portfolio governance and new end-to-end tools to create NPL portfolio value.

Modern target operating model

Early-warning and forward-looking models draw on predictive analytics to improve credit portfolio quality and increase repayment rates.

Lending platform innovation

Lenders that move from high-cost legacy systems to third-party platforms can significantly reduce their cost to serve.

Credit data quality management

Better data—via advanced data science and analytics—means better risk-taking, client profiling, recovery strategies and reporting.

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What sets us apart in modernizing NPL management?

Operational change

Design and execution of new credit operating models backed by digitally enabled processes, data analytics and workforces

Deep experience

Decades working with 100+ major lenders around the globe

Business Process Services

Use of RPA and other innovations to lower costs and speed up cycles


Implementation of solutions through an agile model for better speed, cost and control

Accenture Digital

36,000+ specialists in one of the world’s largest digital transformation practices

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