MBA Consult

What MBA Consult does

MBA Consult is a Singapore-headquartered international Non-Performing Loan (NPL) management group that operates across approximately 15 emerging markets spanning Southeast Asia, South Asia, East Asia, Central Asia, Eastern Europe, the Middle East, Latin America, and North America. The company traces its origins to M.B.A. Consulting s.r.o., founded in Prague in March 1996 by Luboš Žovinec; group companies were unified under the MBA Consult brand with Singapore headquarters in September 2018. With approximately 3,000 employees globally (around 90% of whom are call-center agents), MBA Consult manages a portfolio touching more than 100 million unique debtors and reports $2.5 billion in cumulative recoveries and 9.5 million solved debtor problems since inception. Key leadership includes Founder Luboš Žovinec, Global CEO Viktor Vodenko (appointed November 2016), and Chairman Viktor Dokuchaev.

The company offers an integrated NPL management platform across two primary commercial models: an Agency Collection Services model, in which debt portfolios are outsourced on a contingency/commission basis with MBA Consult analyzing the portfolio, providing recovery recommendations, and executing collection; and a Cession (portfolio purchase) model, in which MBA Consult acquires NPL portfolios outright, providing clients immediate payment and allowing them to write off bad debt from their balance sheets. These are supported by proprietary technology including a collection and behavioral scoring system built on the company's own software platform, custom IT products for call-center and remote-work operations, and what the company describes as unique training and motivation systems. Additional revenue comes from integrating next-generation IT products into client business processes.

MBA Consult's go-to-market is sales-led and relationship-driven, targeting large financial institutions (banks such as Home Credit, BCA, BNI, Raiffeisenbank, CIMB, UniCredit, ICICI, and Alfa Bank), insurance companies (Allianz, Generali, Kooperativa, NN), telecommunications providers (T-Mobile, Globe Telecom, Airtel), and microfinance and digital-lending platforms (Akulaku, Tala, Cashalo, Danabijak, Moola) across emerging markets. Distribution is through dedicated enterprise sales teams organized around individual client projects, supplemented by an investor relations channel offering NPL portfolio investment opportunities through affiliated group entities (r2p Capital, r2p Invest, SNP, Ta Meri Group). The company exited the Russian market in March 2022 and has since redirected expansion toward the Balkans, MENA, Latin America, and Central Asia.

Name

MBA Consult

Legal name

MBA Consult

Website

https://mbacgroup.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

MBA Consult is a Singapore-headquartered international Non-Performing Loan management group operating in 15 emerging markets, offering agency collection and debt-portfolio purchase services to banks, insurers, telecoms, and microfinance lenders through proprietary behavioral-scoring technology and approximately 3,000 call-center-led staff.

Ownership category

akta.pro rank

Product category

Debt Collection and NPL Portfolio Management

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB), Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC), Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

Keywords

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

Headquarters

HQ city

Hong Kong

HQ country

Hong Kong SAR China

HQ region

Asia

Offices14 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Debt Portfolio Acquisition (Cession): MBA Consult purchases debt portfolios from banks and financial institutions. Clients receive immediate payment upon contract signing and can write off bad debt, cleaning their balance sheets. This is described as the fastest and most effective way to resolve financial problems.
2. Agency Collection Services: Debt portfolios are outsourced to MBA Consult on a commission/percentage basis. The company analyzes situations, provides recommendations, and recovers funds with clients receiving money faster and more than alternative placement options.
3. IT Product Integration: Integration of next-generation IT products and solutions into client business processes, representing an additional service revenue stream.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

MBA Consult purchases non-performing loan (NPL) portfolios from banks and financial institutions and provides agency-based debt collection services on a commission basis. Operating across 15 countries, the company recovers funds for clients through dedicated call-center operations and proprietary collection/behavioral scoring technology. It also offers IT product integration services to embed debt-recovery technology into client business processes.

Product overview

MBA Consult operates as a unified NPL (Non-Performing Loan) management platform offering three interconnected core services: Agency Collection Services (outsourcing overdue portfolios on contingency), Cession/Portfolio Purchase (immediate acquisition of debt portfolios), and NPL Portfolio Management. These are supported by proprietary Collection and Behavioral Scoring technology and IT Product Integration capabilities. The company serves financial institutions (banks, microfinance organizations, telecommunications) across 15 countries, helping clients recover funds, cleanse balance sheets, and transform debtors into reliable borrowers.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• $2.5 billion returned to clients through debt recovery
• +5 more outcomes

Named customers32 records

Segments6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• r2p CapitalcoreOthers · 23 October 2024Part of the MBA Consult group of companies. Teams from r2p Capital participated in the October 2024 Dubai conference alongside MBA Consult and other group entities to align strategy and share updates across regions.
• r2p InvestcoreOthers · 23 October 2024Part of the MBA Consult group of companies. Participated in the 2024 Dubai conference as one of the key teams from the group of companies.
• SNPcoreOthers · 23 October 2024Part of the MBA Consult group of companies. Participated in the October 2024 Dubai conference representing the broader group strategy.
• Ta Meri GroupcoreOthers · 23 October 2024Group company that participated in the 2024 Dubai conference alongside MBA Consult, representing the group's presence in the fintech/lending space.
• r2p invest SICAVcoreOthers · 15 May 2023Part of the MBA Consult holding group. Representatives participated in the May 2023 Dubai global conference.
• R2P CAPITALcoreOthers · 15 May 2023Part of the MBA Consult holding group. Participated in the May 2023 Dubai global conference.
• Snapcore a.s.coreOthers · 15 May 2023Part of the MBA Consult holding group. Participated in the May 2023 Dubai global conference.
• r2p LA&CS a.s.coreOthers · 15 May 2023Part of the MBA Consult holding group. Participated in the May 2023 Dubai global conference.
• TA MERI FINANCE PVT. LTD.coreOthers · 15 May 2023Part of the MBA Consult holding group. Participated in the May 2023 Dubai global conference.
• Receivable Management Association international (RMAi)minorOthers · 5 February 2019MBA Consult's CFO-Asia Kamil Knap participated as a speaker at the RMAi annual conference in Las Vegas in February 2019, discussing international debt portfolio acquisition and collection in Asian markets. MBA Consult's article was also published in RMAi magazine.

Scale indicators15 records

Recent moves18 records

Expansion highlights5 records

Direct peers

• Arrow Global: UK/European NPL specialist combining purchased-portfolio servicing and third-party collection; overlapping client base with European banks and similar model of deploying local servicing teams in multiple jurisdictions.
• Kruk: Poland-based NPL specialist with strong presence in Central and Eastern Europe and growing operations in Southern Europe and Latin America; closest peer to MBA Consult in terms of NPL-portfolio focus on emerging and mid-developed European markets.
• PRA Group: US-listed global acquirer and servicer of non-performing consumer loans; competes with MBA Consult's cession/portfolio purchase model across Europe and the Americas and serves the same bank and non-bank creditor clients.
• Lowell Group: European debt purchaser and servicer (backed by Permira) operating primarily in the UK, Germany, Netherlands, Nordics and Austria; comparable NPL purchase + servicing model with similar bank-creditor client base.
• Encore Capital Group: US-listed debt buyer with operations in the US, Europe, and Latin America; directly comparable portfolio-acquisition and agency collection model serving banks and consumer-credit issuers in geographies where MBA Consult also operates.
• Hoist Finance: Swedish-listed debt purchaser and servicer focused on European NPL portfolios across multiple jurisdictions; comparable business model of acquiring unsecured consumer NPL portfolios from banks and recovering via local servicing operations.

Broad incumbents

• EOS Group: German-headquartered international debt collection group operating in 24+ countries with both B2B and B2C receivables; broad incumbent competitor in the same global collections category with deeper European penetration than MBA Consult.
• Intrum: Sweden-based global leader in debt collection and NPL management operating across ~20 European markets plus selected Americas; directly comparable as the largest scaled competitor in the same NPL/collection category MBA Consult plays in (MBA Consult's founder previously worked at Intrum Justitia's Czech subsidiary).
• Coface: French-listed global credit insurer that also operates a collections and receivables-management business; adjacent incumbent in the broader receivables-management value chain serving many of the same corporate and financial clients.
• Atradius Collections: Global B2B receivables-management and debt collection arm of the Atradius credit-insurance group; comparable in serving multinational corporates and financial institutions for cross-border receivables recovery.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MBACGroup
• YouTubeyoutube.com/channel/UCeZIvSs9prLngw1kdXjHmNg
• Facebookfacebook.com/profile.php?id=61557689543988
• LinkedInlinkedin.com/company/m-b-a-consult
• Instagraminstagram.com/mba_consult_group?utm_source=ig_profile_share&igshid=kgvf34hxfru2

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries15 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