MBA Consult Group

What MBA Consult Group does

MBA Consult Group is a Singapore-headquartered, privately held provider of non-performing loan (NPL) management services operating across 15 countries in Southeast Asia, Central and Eastern Europe, Latin America, North America, and Central and North Africa. Founded in 1996 in Prague by Luboš Žovinec and rebranded under the current Singapore-based holding in 2018, the company serves banks, microfinance organizations, insurance companies, and telecommunications operators, with secondary offerings for institutional investors and individual debtors. The company employs approximately 3,000 people, 90% of whom are call-center agents, organized in dedicated project teams per client engagement.

The company operates two revenue models: an Agency model in which debt portfolios are outsourced on a commission basis with the client retaining ownership, and a Cession model in which MBA Consult purchases NPL portfolios outright and manages the recovery. Underlying both models is a proprietary collection and behavioral scoring system built on custom-written software, designed to optimize recovery strategies per client. Supporting infrastructure includes company-developed remote-desktop projection technology that keeps debtor data on internal servers with isolated access controls, enabling uninterrupted call-center operations during disruptions. The company holds ISO 27001:2013 certification for its Indonesian subsidiary and has indicated similar processes are underway for other group entities.

Go-to-market is exclusively direct enterprise sales — no resellers, marketplaces, or self-serve channels — targeting banks, MFOs, insurance carriers, and telecom operators, alongside institutional investors seeking exposure to NPL portfolios in prospective emerging markets. The company has delivered notable scale metrics, including cumulative client recoveries of $2.5 billion since founding, 100+ million unique debtors currently in active portfolio, more than 500 enterprise clients, and over 200,000 daily debtor contacts. Recent strategic activity has centered on greenfield expansion (Mexico 2021, Brazil 2022, USA 2022, Serbia 2023, Egypt 2023, Uzbekistan 2025) and balance-sheet deployment into NPL portfolios, alongside the March 2022 exit from the Russian market.

Name

MBA Consult Group

Legal name

MBA Consult

Website

https://mbacgroup.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

MBA Consult Group is a Singapore-based, privately held NPL management firm operating in 15 countries, serving banks, microfinance organizations, insurers, and telecom operators with two core services: outsourced commission-based debt collection (Agency model) and outright NPL portfolio purchase (Cession model), supported by proprietary collection and behavioral scoring technology.

Ownership category

akta.pro rank

Product category

NPL Management and Debt Collection Services

NAICS

Other Financial Vehicles (52599), Other Financial Investment Activities (5239)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG)

akta.pro secondary industry

Non-Performing Loan (NPL) / Loan Portfolio Acquisition Funds (FSANAKAG)

Keywords

• Non-performing loans
• Debt collection services
• Credit management
• NPL portfolio management
• Debt recovery services

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices14 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Cession / Portfolio Purchase: The company purchases debt portfolios from clients (banks, MFOs) at negotiated prices. Clients receive immediate payment and clean their balance sheets. The company then manages recovery of the purchased debt.
2. Agency / Commission-based Collection: Debt portfolios are outsourced to MBA Consult on a commission basis. The company provides analysis, recommendations, and executes collection, with the client retaining ownership of the debt. Clients receive recovered funds faster than alternative placements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels10 records

Core offering

MBA Consult Group purchases non-performing loan (NPL) portfolios from banks, microfinance organizations, and financial institutions, and performs outsourced debt recovery on a commission/agency basis. The company operates across 15 countries in Europe, Asia, Latin America, Africa, and North America, offering two cooperation models: the Cession model (outright purchase of debt portfolios) and the Agency model (outsourced collection for commission). It also structures debt portfolio investment opportunities for institutional investors.

Product overview

MBA Consult Group operates as a unified platform offering a comprehensive suite of NPL (Non-Performing Loan) management services. The core portfolio consists of NPL Portfolio Management Services for purchasing and managing distressed debt, Agent-Based Money Recovery for outsourced collection, and Debt Portfolio Investment Opportunities for investors. Supporting these core offerings are proprietary technology modules including Collection & Behavioral Scoring (AI-powered scoring system built on proprietary software), IT Product Integration Solutions for seamless client workflow integration, and Debtor Rehabilitation Services focused on sustainable debt resolution. The company operates across 15 countries in Europe, Asia, Latin America, and Africa, serving major banks, MFOs, and telecommunications companies.

Differentiator

Problem solved

Functional benefit

Products and services

• NPL Portfolio Management Services (Cession Model)

Quantifiable outcome

• $2.5 billion returned to clients
• +6 more outcomes

Named customers39 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered major, core and minor.

• Erste Group SerbiamajorStrategic or Co-development Partner · 1 December 2024In December 2024, MBA Consult SR d.o.o. acquired an NPL portfolio worth €328,106 from Erste Group Serbia. This acquisition marked MBA Consult as the first debt collection company in Serbia to work with a leasing company, overcoming legislative barriers that previously prevented such transactions.
• OTP Bank SerbiamajorStrategic or Co-development Partner · 1 December 2024In December 2024, MBA Consult SR d.o.o. acquired an NPL portfolio worth €998,502 from OTP Bank Serbia. This was MBA Consult's first acquisition from OTP Bank — Hungary's largest commercial bank and a leading financial institution in Central and Eastern Europe — highlighting the company's growing regional influence.
• r2p CapitalcoreStrategic or Co-development Partner · 1 October 2024Participated in the Dubai conference in October 2024 on 'Charting One Path, Exploring Infinite Horizons' alongside MBA Consult, r2p Invest, SNP, and Ta Meri. Viktor Vodenko, Global CEO, noted MBA Consult's presence across 15 countries and commitment to shared values and direction.
• r2p InvestcoreStrategic or Co-development Partner · 1 October 2024Participated in the Dubai conference in October 2024 alongside MBA Consult, r2p Capital, SNP, and Ta Meri for strategic alignment across the group.
• SNPminorStrategic or Co-development Partner · 1 October 2024Participated in the Dubai conference in October 2024 alongside MBA Consult, r2p Capital, r2p Invest, and Ta Meri for strategic alignment.
• Ta MeriminorStrategic or Co-development Partner · 1 October 2024Participated in the Dubai conference in October 2024 alongside MBA Consult, r2p Capital, r2p Invest, and SNP.
• r2p CapitalcoreStrategic or Co-development Partner · 1 May 2023Part of the MBA Consult group of companies. r2p Capital participated in the Dubai international conference in May 2023 alongside MBA Consult and other group entities, contributing to shared strategic alignment across the holding.
• r2p Invest SICAVcoreStrategic or Co-development Partner · 1 May 2023Part of the MBA Consult group of companies. Participated in the Dubai international conference in May 2023 alongside MBA Consult and other group entities for shared strategic alignment.
• Snapcore a.s.minorStrategic or Co-development Partner · 1 May 2023Group company that participated in the Dubai international conference in May 2023 alongside MBA Consult and other group entities.
• R2P LA&CS a.s.minorStrategic or Co-development Partner · 1 May 2023Group company participating in the Dubai international conference in May 2023 alongside MBA Consult and other group entities.
• Ta Meri GroupminorStrategic or Co-development Partner · 1 May 2023Group company participating in the Dubai international conference in May 2023 alongside MBA Consult and other group entities.
• Ta Meri Finance Pvt LtdminorStrategic or Co-development Partner · 1 May 2023Group company participating in the Dubai international conference in May 2023 alongside MBA Consult and other group entities.

Scale indicators10 records

Recent moves15 records

Expansion highlights6 records

Direct peers

• EOS Group: German-headquartered international debt collection and receivables management company operating in 24+ countries. EOS offers both B2B and B2C debt collection services, comparable to MBA Consult's agency and cession models, with similar institutional client bases across European banking markets.
• Hoist Finance: Swedish specialist in NPL portfolio acquisitions and debt management across European markets. Hoist focuses on purchasing non-performing loan portfolios from banks, directly comparable to MBA Consult's cession model in Europe.
• Kruk SA: Polish-listed debt management company operating in Central and Eastern Europe, focused on purchasing and recovering non-performing retail debt. Kruk's strong presence in CEE markets directly overlaps with MBA Consult's historic Czech, Slovak, and broader European footprint.
• PRA Group: US-based leading global acquirer and manager of nonperforming loans. PRA purchases and collects defaulted consumer receivables from major banks and credit issuers, directly comparable to MBA Consult's cession model for NPL portfolios across multiple geographies.
• Encore Capital Group: US-listed specialty finance company that purchases defaulted consumer receivables through subsidiaries including Midland Credit Management and Cabot Credit Management. Encore operates across the US, UK, and Europe, with a business model closely aligned with MBA Consult's portfolio acquisition approach.
• B2Holding ASA: Norwegian-headquartered debt specialist operating across 20+ European countries, focused on purchasing and managing non-performing loan portfolios. B2Holding's European multi-country presence and NPL acquisition strategy mirrors MBA Consult's geographic expansion and cession approach.
• Intrum: Sweden-based global leader in credit management and debt collection services, operating across Europe and beyond. Highly comparable to MBA Consult as both offer NPL portfolio purchasing, agency-based collection, and similar client bases of major banks and financial institutions. Notably, MBA Consult's founder Luboš Žovinec previously worked at Intrum Justitia's Czech subsidiary.
• Lowell Group: UK-based credit management company focused on purchasing and servicing consumer NPL portfolios across the UK, Germany, Austria, Switzerland, Denmark, Sweden, Norway, and the Netherlands. Lowell's model of buying and managing distressed debt aligns with MBA Consult's cession strategy.
• Arrow Global Group: European credit management and NPL acquisition specialist headquartered in the UK, with operations across multiple European geographies. Arrow Global's combination of portfolio purchasing and servicing parallels MBA Consult's dual business model.

Broad incumbents

• Loomis Sayles (NPL Servicing) / Allianz Trade (formerly Euler Hermes): Global trade credit insurance and debt collection provider operating as part of Allianz Group. Allianz Trade offers B2B debt collection services with broader portfolio including credit insurance, comparable to MBA Consult's services for institutional clients but as part of a much wider financial services offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MBACGroup
• YouTubeyoutube.com/channel/UCeZIvSs9prLngw1kdXjHmNg
• Facebookfacebook.com/mbacgroup
• LinkedInlinkedin.com/company/m-b-a-consult/?viewAsMember=true
• Instagraminstagram.com/mba_consult_group?utm_source=ig_profile_share&igshid=kgvf34hxfru2

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MBA Consult Group