MBCredit Solutions

What MBCredit Solutions does

MBCredit Solutions S.p.A. is an Italian financial intermediary that provides third-party non-performing loan (NPL) management and credit servicing for primary domestic and international companies. Headquartered at Via Caldera 21 in Milan with operational headquarters in Bari, the firm operates under the Gruppo Bancario Monte dei Paschi di Siena, with Compass Banca S.p.A. as its sole shareholder and Mediobanca as the parent group. The managed portfolio comprises approximately EUR 7.1 billion in NPL credits and EUR 9.2 billion in past-due, UTP, and performing credits, served by a combined network of 800 phone collection operators (operated in part by subsidiary MBContact Solutions S.r.l.), 300 credit protection officials in a nationwide tax collection network, and 110 affiliated law firms. The firm holds financial intermediary registration under article 106 TUB and a debt recovery license under article 115 TULPS, and adheres to the UNIREC code of conduct.

Core products and services span the full credit recovery lifecycle: Early Collection & Caring, Phone Collection & Portfolio Management, Paralegale & Mediazione, and Master Legal & Legal Recovery. Underlying technology includes proprietary statistical scoring models for case clusterization and recovery propensity scoring, advanced reporting systems with client-tailored dashboards, predictive and auto-dialing tools supporting phone collection operators, and a quality control room for call monitoring. The firm operates two distinct commercial models: direct management using proprietary structures, and a multi-network platform offering that coordinates multiple third-party servicers across large diversified portfolios.

The business model is a B2B managed services offering. Fees are charged on a quote-based, client-tailored basis for credit management and recovery services; no public pricing exists. The go-to-market is enterprise field sales targeting banks and financial institutions (primary), with secondary segments in insurance, telecommunications, utilities, commercial credits, and healthcare. Distribution relies on direct institutional relationships, a corporate website with news publishing, industry events and award platforms, and institutional trade association membership.

Name

MBCredit Solutions

Legal name

MBCredit Solutions S.p.A.

Website

https://mbcreditsolutions.it

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

MBCredit Solutions S.p.A. is an Italian financial intermediary providing third-party non-performing loan servicing for banks, financial institutions, insurers, telecom operators, and utilities. It runs a proprietary multi-channel recovery platform with 800 operators, 300 field officials, and 110 affiliated law firms nationwide.

Ownership category

akta.pro rank

Product category

Credit Servicing (Non-Performing Loan Management)

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Credit servicing
• Non-performing loans
• Debt recovery
• Credit management
• NPL management

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Third-Party NPL Management Fees: MBCredit Solutions specializes in managing non-performing credits (NPL), past due, UTP and performing credits on behalf of third parties, charging fees for credit management and recovery services. Operates as a pure servicer for primary Italian and international companies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MBCredit Solutions S.p.A. is a financial intermediary that manages non-performing loans (NPL), past due, UTP and performing credits on behalf of third-party clients (banks, financial institutions, insurance, telecommunications, utilities, commercial enterprises, and public healthcare entities). It operates as a pure servicer offering both direct credit management through its proprietary phone collection, field collection, and legal recovery networks, and a Multi-Network Platform that coordinates multiple third-party servicers on large diversified portfolios across the entire credit lifecycle from early collection through legal recovery.

Product overview

MBCredit Solutions operates as a pure servicer for third-party credit management, primarily offering NPL (Non-Performing Loan) Management as its core product, supported by a proprietary Phone Collection system and a Multi-network Platform for managing diversified portfolios. The company also operates through its subsidiary MBContact Solutions for outbound contact center services. The portfolio spans multiple sectors including banking, finance, insurance, telecommunications, utilities, commercial credits, and healthcare tickets. All services leverage proprietary statistical scoring models and advanced reporting systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestione Crediti non Performanti (NPL Management) End-to-end third-party management of non-performing loans across the full credit lifecycle, from first insolvency through advanced recovery, including Early Collection & Caring, Phone Collection & Portfolio Management, Paralegale & Mediazione, and Master Legal & Legal Recovery services. Designed for banks, financial institutions, insurance, telecom, utilities, commercial enterprises, and public healthcare entities.
• Contact Center (MBContact Solutions) Outbound credit recovery contact center operated by controlled subsidiary MBContact Solutions S.r.l., with a structured three-phase approach (mass processing, specialized team handling, dedicated operator resolution), predictive dialing tools, automated monitoring parameters and a Quality Control Room. Used for phone collection on behalf of third-party clients.
• Piattaforma Multirete (Multi-Network Platform Management) Platform for managing large and diversified NPL portfolios by combining strategy design with proprietary statistical models and coordinating multiple third-party servicers through competitive, performance-based selection to maximize recovery outcomes.

Quantifiable outcome

• Top 1% performer in EcoVadis Sustainability Rating with Platinum level
• +1 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• UNIRECcoreOthersMBCredit Solutions adheres to the UNIREC Code of Conduct for credit management and protection processes, promoting dialogue between professionals and consumers who have not met their obligations to ensure certain and shared rules for all actors involved in credit protection.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kruk: Polish-listed European debt management and NPL servicer operating across multiple EU markets including Italy. Comparable end-to-end recovery operations and proprietary analytics platform.
• Guber Banca: Italian bank specialized in NPL acquisition and servicing with proprietary credit management capabilities. Comparable pure-servicer/credit management positioning targeting Italian financial institutions.
• Banca Ifis (Fire Servicing): Banca Ifis's NPL division operates a captive and third-party servicing platform in Italy. Direct competitor for Italian bank NPL mandates with similar scoring-driven recovery infrastructure.
• Intrum: Pan-European credit management and NPL servicer with significant Italian operations. Comparable business model covering phone collection, field collection, and legal recovery across multiple jurisdictions.
• DoValue: Italy's largest publicly-listed NPL servicer, managing tens of billions of euros in non-performing loans across banking, consumer, and corporate portfolios. Direct competitor for third-party servicing mandates from Italian banks and for multi-network platform roles.
• Prelios Credit Servicing: Italian NPL and UTP servicer with a long track record managing large bank portfolios. Competes directly for servicing mandates, special servicing, and real estate-backed credit recovery in Italy.
• EOS Group: German-headquartered international debt collection and receivables management group with Italian operations. Competes for B2B servicing mandates in financial services, telco, and utilities sectors.
• Hoist Finance: European specialist in non-performing loan portfolios with Italian operations. Competes for servicing mandates on Italian bank portfolios and operates a similar multi-phase recovery model.
• Securitisation Services (CSS): Italian securitisation and credit servicer providing master and special servicing for ABS and NPL transactions. Competes directly for bank-led securitisation servicing mandates in Italy.
• Cerved (Credit Management): Major Italian data, credit information, and credit management group with a servicing arm that handles NPL portfolios for financial institutions. Overlapping client base and similar B2B service model in the Italian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 MBCredit Solutions