Vertical digital solutions
for the management of UTP and NPL portfolios

The solution offered by Finwave, structured on the basis of logic based on the principle of full correlation between the individual administrative phases of the credit process, allows for effective and simplified management of the activities making up the entirety of performing and non-performing loans, from mapping and archiving of the input data to the appraisal and final decision, from the payment of the funds to the completion of the contract, from continuous trend monitoring to the determination of the accounting coverage for expected losses.

The new technologies adopted allow both development and maintenance costs to be contained, also ensuring the speed of development which is key for this market.

We cover the entire spectrum of commercial, operating and compliance processes for end-to-end management of loan products, both medium- and long-term: personal loans, mortgages, structured finance, both short term: document advances, invoice advances, RCF, FIN-IMP, FIN-EXP, RIBA advances, as well as the operations characterizing the integrated management of SPV, LeasCo and ReoCo.

Finwave operates with a consultancy-based approach, thanks to decades of experience in the sector and to its clients, which are some of the biggest players in Italy and abroad in the financial sector, and have chosen and successfully used our solutions.

Our strenghts:

• Technology. The specific technologies adopted allow the development and maintenance costs to be contained, while at the same time guaranteeing the accuracy and effectiveness of the final outputs.
• Speed. The structure of the Finwave operating system summarizes the positive nature of the management results of the total funds used, with the maximum possible reduction in execution times, whether those relate to complex restructuring of the credit exposure or normal continuous monitoring.
• Efficiency. The assessment logic identified by the data and correlated with them, which the Finwave software is based on, is calibrated in order to offer the best automated management solutions for the entire credit portfolio, whether this is performing or non-performing; the performance obtained is also constantly monitored and guaranteed through an integrated KPI and SLA service

Once onboarding has been performed, it develops an omnichannel coordination of the customer base via open management which is flexible to the different requirements of the credit broker, and is able to realize an enormous range of intervention measures on the credit exposure thanks to the numerous possible restructuring and modification operations relating to the repayment and amortization plans, the periodic collection of the installments and the transfer of the liquidity flows, the disposals made and the various revolving types for loans and lines of credit etc.

Careers

At Finwave, we don’t hire people based solely on their CVs. Education and experience are important, but so is the desire to gain new experiences and improve: we are looking for people open to challenges and ready to grow as part of a team. Explore our career opportunities and join the Finwave Group’s talent community!