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
Technology
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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Meet our lead
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Juan Pedraza
Managing Director – Technology Delivery, Financial Services
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