The financial crisis forced both banks and financial companies to redesign their roles, concentrate their operation activities on core business and look for strategical partners to optimize processes with the purpose of maximizing the operational efficiency.

DCE is a consolidated service for NPLs (Non-performing Loans) where recovery is risky, uncertain and requires a long-term management together with sophisticated operational tools in order to trace and find the debtor.

NPLs management is different from other debts and shall face specific issues:

• Management of large volumes;
• High fragmentation;
• Difficult traceability of the debtor;
• Problems connected with the sufficient documents;
• Widespread territorial coverage is needed.

DCE long-term experience in managing third parties’ portfolio and its specific NPL methods, enable the company to promote appropriate solutions for sharing a common target with its clients, namely recovering debts and supporting the customer/debtor without exacerbating the situation.