M.B.A. Finance Group

What M.B.A. Finance Group does

M.B.A. Finance Group (operating under the unifying brand MBA Consult) is a global debt collection and non-performing loan (NPL) management firm founded in 1996 by Luboš Žovinec, headquartered in Prague, Czech Republic, with its global head office in Singapore. The company serves financial institutions (notably major European and Asian banks such as Česká spořitelna, ČSOB, UniCredit Bank, Maybank, BRI, BCA, ICICI Bank, and Kaspi Bank), microfinance organizations, insurers (including Allianz and Kooperativa), telecommunications providers (O2, T-Mobile, Vodafone), energy companies (ČEZ, E.ON), and individual debtors via a 3,000-person call-center organization across 15+ countries.

The firm's core technology is DebThor, a proprietary automated ICT system with embedded machine learning and AI capabilities that performs debtor finding, financial and social situation assessment, creditworthiness and credibility evaluation, behavioral scoring, and receivables profiling. According to the company, DebThor executes in fractions of a second work that previously consumed human specialists for a week, and is supplemented by an AI-powered virtual voice operator that enables remote, high-volume call handling. The firm's products include agency-based collection services (outsourced NPL servicing on a fee basis), cession/purchasing of NPL portfolios at a discount (with the firm absorbing credit and recovery risk), and structured NPL portfolio investment products for high-net-worth and institutional investors.

Revenue mechanics combine fee-based collection commissions, gains realized on purchased NPL portfolios (recoveries exceeding acquisition price), and management or performance fees on investor NPL products. Marketing is overwhelmingly direct enterprise sales to banks and financial institutions, supplemented by an in-house investor-relations function. Corporate clients exceed 500 globally, with cumulative returns to clients exceeding $2 billion and assets under management exceeding $4 billion. The firm was consolidated under the MBA Consult brand in 2018, and has since executed a multi-year geographic expansion adding Mexico, Brazil, Egypt, and Uzbekistan to its footprint, alongside a multi-product expansion including the M.B.A. LEGAL subsidiary for judicial escalation services.

Name

M.B.A. Finance Group

Legal name

M.B.A. Finance s.r.o.

Website

https://mbaf.cz

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

M.B.A. Finance Group is a global debt collection and non-performing loan management firm serving banks, microfinance organizations, insurers, and investors across 15+ countries, operating its proprietary DebThor AI platform, a 3,000-person call-center operation, and NPL portfolio purchasing and investment businesses.

Ownership category

akta.pro rank

Product category

Debt Collection and NPL Management Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Collections, Recovery & Debt Management Platforms (FSAGAHAI), Non-Performing Loan (NPL) / Loan Portfolio Acquisition Funds (FSANAKAG)

Keywords

• Debt collection services
• Non-performing loan management
• NPL portfolio purchasing
• Receivables management
• Credit management outsourcing

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices14 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Agency-based Collection Services: Outsourcing debt collection services on a fee basis. The company acts as an agency performing NPL portfolio collection services. Clients receive payment through recovered debts with the company taking a service fee.
2. NPL Portfolio Cession/Purchasing: Purchase of non-performing loan portfolios from banks and financial institutions. Clients receive immediate payment upon signing agreements, with the company assuming responsibility for debt recovery and taking on the credit risk.
3. NPL Portfolio Investment: Investment opportunities in NPL portfolios of major international banks and financial companies for external investors seeking high-yield returns.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

M.B.A. Finance Group provides outsourced debt collection and non-performing loan (NPL) management services to banks, microfinance organizations, insurers, and telecom operators across 15+ countries. Its offering comprises three revenue lines: agency-based collection services performed on a fee basis, cession/purchasing of NPL portfolios from financial institutions, and NPL portfolio investment opportunities offered to institutional and high-net-worth investors. Operations are powered by the proprietary DebThor AI platform, which automates debtor finding, creditworthiness assessment, behavioral scoring, and resolution pathway selection, and by a multilingual 3,000-person call-center network.

Product overview

M.B.A. Finance Group operates as a global debt collection and NPL management company with proprietary technology at its core. The primary product is the DebThor AI system (automated ICT platform with machine learning) combined with proprietary behavioral and collection scoring. Services include NPL portfolio management, agency-based collection services (outsourcing), and cession (portfolio purchasing). The company operates across Europe, CIS, Asia, Latin America, and Africa with operations in 15+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• DebThor: Proprietary automated ICT system with machine learning and artificial intelligence elements for debt collection, debtor profiling, and creditworthiness evaluation
• M.B.A. LEGAL

Products and services

• NPL Portfolio Management End-to-end non-performing loan portfolio management for banks, microfinance organizations, insurers, and telecom operators, including portfolio acquisition, recovery execution, and investment structuring across 15+ countries.
• Agency-Based Collection Services Outsourced debt recovery performed on a fee basis for financial institutions and consumer lenders, covering the full lifecycle from reminder services through out-of-court settlement to judicial collection.
• Cession (NPL Portfolio Purchasing) Acquisition of non-performing loan portfolios directly from banks and financial institutions at a discount, with M.B.A. Finance assuming responsibility for recovery and the underlying credit risk.
• NPL Portfolio Investment Opportunities Investment participation in non-performing loan portfolios sourced from major international banks and financial institutions, offered to high-net-worth individuals and institutional investors seeking high-yield, professionally managed distressed-debt exposure.
• DebThor AI Collection Platform Proprietary automated ICT system with machine learning and AI that finds debtors, evaluates financial and social situations, profiles receivables, scores creditworthiness, and proposes tailored recovery solutions in milliseconds.

Quantifiable outcome

• $2 billion returned to clients through debt recovery services
• +5 more outcomes

Named customers32 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Association of Collection Agencies (Czech Republic)coreOthers · 1 October 2019M.B.A. Finance, as a member of the Association of Collection Agencies, actively participates in debates about legal frameworks, economic impacts, social significance, and ethics of out-of-court collection. Company CEO Roman Bartuška participated in the Creditors Forum 2019.
• Receivables Management Association International (RMAi)coreOthers · 5 February 2019MBA Consult participated as speaker at the 22nd Annual RMAi Conference in Las Vegas, discussing Asian market opportunities and NPL management. This membership provides industry recognition and networking with global debt collection agencies and creditors.
• MBA Empire (Unified under MBA Consult brand)coreStrategic or Co-development Partner · 26 July 2018Consolidation of all M.B.A. Empire branches under the single MBA Consult brand, unifying 22 years of international credit management experience. This rebranding unified operations across 22 years and multiple regions under one brand identity.

Scale indicators11 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Atradius Collections: Global commercial debt collection business within the Atradius Group (credit insurance). Comparable to M.B.A. Finance on agency-based B2B debt recovery but broader in scope (commercial receivables, credit insurance integration) and less focused on consumer NPL portfolios.

Direct peers

• EOS Group: Hamburg-based global debt collection group (Otto Group subsidiary) operating in 26+ countries with agency collection, NPL purchasing, and factoring. Highly comparable to M.B.A. Finance across service lines and multi-country model, with a similar B2B banking-led GTM.
• PRA Group: NASDAQ-listed global acquirer of non-performing loans, purchasing portfolios from banks and servicers in the US, Europe, and Latin America. Closely comparable on the cession/purchasing side of M.B.A. Finance's business; expressed interest in Mexico and emerging markets where M.B.A. Finance already operates.
• Intrum: Europe's largest debt collection and NPL management company, offering agency-based collection, portfolio purchasing, and NPL investment products across ~20 European markets. Directly comparable to M.B.A. Finance on service mix and customer base (banks selling NPLs), though Intrum's scale is materially larger.
• KRUK: Warsaw-listed debt management company operating in Central/Eastern Europe, with growing presence in Latin America and Southern Europe. Highly comparable on mix of agency collections, portfolio purchases, and NPL investment offerings, with similar emerging-market orientation.
• Arrow Global: Manchester-based NPL portfolio acquirer and servicer (now part of Tikehau Capital) operating across the UK, Western Europe, and Portugal. Comparable to M.B.A. Finance on bank-led NPL portfolio purchase and outsourced servicing, with similar institutional sales motion.
• B2Holding: Oslo-listed European debt specialist purchasing and servicing NPL portfolios across the Nordics, DACH, Southern Europe, and the Balkans. Matches M.B.A. Finance's emphasis on NPL portfolio acquisition and cross-border bank relationships, particularly relevant given M.B.A.'s Eastern European presence.
• Encore Capital Group: NASDAQ-listed global debt buyer (parent of Midland Credit Management and Cabot Credit Management), purchasing and servicing NPL portfolios across US, Europe, and Latin America. Strong dimensional comparison to M.B.A. Finance's portfolio purchase and multi-jurisdictional servicing model.
• Lowell: UK- and Europe-headquartered credit management services provider (portfolio purchase and debt collection) with operations across the UK, Germany, Austria, Switzerland, Nordics, and Australia. Direct functional peer to M.B.A. Finance's agency collection and NPL purchasing offerings.
• Hoist Finance: Stockholm-listed NPL specialist focused on portfolio acquisition and servicing, with operations across Europe. Comparable to M.B.A. Finance's NPL portfolio purchasing and investment offerings, though Hoist is more concentrated in European retail NPLs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 M.B.A. Finance Group