What Personalcob does

Personalcob is a Brazilian private debt collection and credit recovery company founded in 2009 and headquartered in São Caetano do Sul, São Paulo. The company operates a B2B2C model, partnering with 100+ financial institutions (including Nubank, Bradesco, Banco BMG, C&A Pay, Pernambucanas, Ipanema, D'avó, and Ativos SA) to provide debt negotiation and recovery services to their defaulting consumers. Personalcob generates revenue through transaction-based commissions on successfully recovered debts, with proposed discounts of up to 90% off original debt amounts offered to consumers to incentivize settlement.

The company's core product is a digital debt negotiation platform accessible at negocie.personalcob.com.br, which allows consumers to search for debt proposals by entering their CPF (Brazilian individual taxpayer registry number), view personalized offers, and formalize payment agreements online without human intervention. The platform is supplemented by QR code-based mobile access, brand-specific sub-portals for each institutional partner, and assisted channels including WhatsApp, toll-free 0800 telephone numbers, and email. Identity verification relies on CPF-based authentication, and the company maintains a DPO (Mayara Soares Batista) for LGPD (Brazilian General Data Protection Law) compliance.

Personalcob holds ISO 9001 quality management certification and is a member of IGEOC, the Brazilian debt collection industry association. The firm employs 501-1,000 people, with operational roles including teleattendants and supervisors supporting the multi-channel collection workflow. The company emphasizes a 'human and digital' positioning, combining online self-service with human-assisted negotiation, and offers complementary services such as duplicate payment slip generation (2ª via de Boleto), customer service (SAC), and an ombudsman channel (Ouvidoria). The business is wholly privately held with no disclosed parent company, no public funding rounds, and no M&A activity on record.

Name

Personalcob

Legal name

Personalcob

Website

https://personalcob.com.br

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Personalcob is a Brazilian private debt collection and credit recovery firm that partners with 100+ financial institutions to provide digital and assisted debt negotiation services to defaulting consumers via online portal, WhatsApp, and phone channels on a transaction-fee basis.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Recovery Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

Keywords

• Debt collection services
• Credit recovery
• Debt negotiation platform
• Accounts receivable management
• Consumer debt settlement

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction-based Debt Recovery Commission: Personalcob earns commissions from financial institutions for successfully negotiating and recovering debts. The company facilitates payment agreements between consumers and creditor institutions, taking a transaction fee or success fee based on recovered amounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Personalcob provides digital and assisted debt collection and recovery services on behalf of Brazilian financial institutions. The company operates an online self-service negotiation platform (negocie.personalcob.com.br) and brand-specific co-branded portals where consumers can search for personalized debt proposals, receive discounts of up to 90%, and formalize payment agreements. Services are delivered via web, WhatsApp, toll-free 0800 phone, and email channels.

Product overview

Personalcob operates as a digital debt collection and negotiation platform offering a unified multi-brand portal ecosystem. The core offering consists of an online negotiation platform (negocie.personalcob.com.br) accessible via web and QR code, supplemented by dedicated brand-specific sub-portals for each partner (Ativos, BMG, C&A Pay, D'avó, Ipanema, Nubank, Pernambucanas). These sub-brands function as co-branded negotiation channels where consumers can search debts by CPF/CNPJ, receive discount proposals (up to 90%), select payment plans, and formalize agreements digitally. Supporting services include WhatsApp-based contact channels per brand, 2ª via de boleto (duplicate payment slip issuance), SAC (customer service), and Ouvidoria (ombudsman). The platform is positioned as 'human and digital' — combining online self-service with human-assisted channels. Personalcob was established in 2009 and represents various financial institutions for debt recovery.

Differentiator

Problem solved

Functional benefit

Products and services

• Personalcob Online Negotiation Platform Online self-service debt negotiation platform where Brazilian consumers can search for proposals by entering their CPF or CNPJ, compare personalized settlement offers with discounts of up to 90%, and formalize payment agreements digitally. Designed for end consumers of partner financial institutions who want to regularize overdue debts without visiting a physical branch.
• QR Code Negotiation Portal Mobile-accessible debt negotiation portal reachable by scanning a QR code with a smartphone camera, allowing consumers to access debt settlement tools from any physical notification (e.g., collections letter) without typing a URL.
• WhatsApp Debt Negotiation Channels Brand-specific WhatsApp contact numbers (Ativos, Bradesco Consignado, Bradesco PL, Bradesco Leader, Bradescard, C&A Pay, D'avó, Ipanema, Pernambucanas) enabling consumers to negotiate debts, request second-via boleto, submit counter-proposals, and receive agent support via the WhatsApp messaging platform.
• Pernambucanas Debt Negotiation Portal Co-branded debt negotiation portal dedicated to Pernambucanas retail chain customers, allowing them to access online settlement options and discounted payment plans specifically for Pernambucanas-issued credit accounts.
• C&A Pay Debt Negotiation Portal Co-branded debt negotiation portal dedicated to C&A Pay retail credit customers, offering online settlement options and varied payment plans for C&A-issued credit balances.
• Ipanema Debt Negotiation Portal Co-branded debt negotiation portal dedicated to Ipanema consumer credit customers (including Aymoré and Banco Pan), offering online settlement options.
• D'avó Debt Negotiation Portal Co-branded debt negotiation portal dedicated to D'avó retail brand customers, offering online settlement options.
• Nubank Debt Negotiation Portal Co-branded debt negotiation portal dedicated to Nubank customers, enabling CPF-based debt search and proposal selection for debt regularization.
• Ativos SA Debt Negotiation Portal Co-branded debt negotiation portal dedicated to Ativos SA, offering contact channels and boleto issuance (payment slips) for consumers with existing debt agreements.
• Banco BMG Debt Negotiation Portal Co-branded debt negotiation portal dedicated to Banco BMG customers, providing debt regularization options for BMG's loan and credit portfolio, including consigned loans.
• 2ª via de Boleto (Duplicate Payment Slip) Service Online self-service for consumers to retrieve a duplicate copy of their boletos (Brazilian payment slips) for existing debt settlement agreements, helping them keep payments current and avoid default.
• SAC / Ouvidoria Customer Service Dedicated customer service (Serviço de Atendimento ao Consumidor) and ombudsman (Ouvidoria) channels providing first-line and escalated complaint resolution for consumers with debt agreements handled by Personalcob.

Quantifiable outcome

• Name removal from credit bureaus within 3-7 business days after payment recognition
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• NubankcoreChannel Partner/ Reseller/ DistributorPersonalcob is an official partner of Nubank for debt negotiation services. The partnership enables Nubank customers to access Personalcob's digital debt negotiation platform to regularize their outstanding debts with discounts and flexible payment options.
• PernambucanascoreChannel Partner/ Reseller/ DistributorPersonalcob is an official partner of Pernambucanas retail chain for debt collection and negotiation services. Provides consumers with access to negotiate their Pernambucanas debts through Personalcob's digital platform.
• C&A PaycoreChannel Partner/ Reseller/ DistributorPersonalcob serves as official representative for C&A Pay debt negotiation services. Enables C&A customers to access debt regularization through Personalcob's multi-channel platform.
• BradescocoreChannel Partner/ Reseller/ DistributorPersonalcob partners with multiple Bradesco entities including Bradesco Consignado, Bradesco Cartões, Bradescard, Bradesco PL, and Bradesco Leader for debt collection and negotiation services across various credit products.
• IpanemacoreChannel Partner/ Reseller/ DistributorPartnership with Ipanema (including Aymoré and Banco Pan) for debt negotiation services. Personalcob provides debt collection platform for Ipanema's consumer credit portfolio.
• D'avócoreChannel Partner/ Reseller/ DistributorOfficial partnership with D'avó retail chain for debt negotiation services. Personalcob enables D'avó customers to negotiate their debts through digital and assisted channels.
• Banco BMGcoreChannel Partner/ Reseller/ DistributorPartnership with Banco BMG for debt recovery services. Personalcob provides debt negotiation platform for BMG's loan and credit portfolio including consignado loans and credit accounts.
• Ativos SAcoreChannel Partner/ Reseller/ DistributorPartnership with Ativos SA for credit recovery and debt negotiation services. Personalcob serves as collection agent for Ativos SA's debt portfolio.
• DigiominorChannel Partner/ Reseller/ DistributorPartnership with Digio (Bradesco digital account) for debt collection services related to Digio/Bradesco Consignado products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Boa Vista SCPC: Brazilian credit bureau operating the SCPC database with associated debt negotiation and 'negative name clearance' services. Adjacent incumbent with overlapping consumer recovery marketplace offering.
• Encore Capital Group: Global specialty finance company focused on charged-off debt purchasing and recovery. Represents the international scale benchmark for debt recovery businesses that Personalcob competes against for cross-border mandates.
• Banco Pan (collection arm): Brazilian mid-sized bank with significant consumer credit exposure and internal collection operations. Partner of Personalcob via Ipanema but also runs proprietary recovery, representing both customer and structural competition.
• Serasa Experian: Brazil's largest credit bureau, which also operates consumer debt negotiation and 'limpa nome' marketplaces. Competes head-to-head with Personalcob's CPF-based debt discovery and settlement flow, but as part of a much broader data and analytics franchise.
• Ativos S.A. Brazilian credit asset manager and debt buyer that also runs debt recovery operations. Both a Personalcob partner (per company data) and a competitor in the broader credit recovery value chain.
• TransUnion Brasil: Global credit information company with Brazilian operations including consumer credit reporting and recovery-adjacent analytics. Competes with Personalcob indirectly via data and risk services that shape creditor recovery strategies.

Direct peers

• QueroQuitar: Brazilian online debt negotiation startup that aggregates proposals from multiple creditors for consumers, using a similar self-service digital negotiation portal comparable to Personalcob's platform.
• Recovery do Brasil: Brazilian third-party debt collection agency serving financial institutions and retailers. Comparable B2B2C recovery services model with multi-channel consumer outreach.
• Acordo Online: Brazilian digital debt negotiation platform that aggregates offers from multiple creditors and lets consumers settle debts online with discounts. Closely mirrors Personalcob's negocie.personalcob.com.br self-service flow and partner-aggregator model.

Regional players

• Teleperformance Brasil: Large Brazilian BPO/contact-center operator with dedicated financial services and debt collection verticals. Provides the operational backbone competing with Personalcob's in-house assisted-channel model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Personalcob
• LinkedInlinkedin.com/company/personalcob
• Instagraminstagram.com/personalcobgrupo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Personalcob