Español (ESP)Debt Advisory
Expert debt consultancy, value analysis and portfolio valuation services for creditors and investors
Our deep understanding of the debt market allows us to help our clients build their understanding and identify opportunities to improve returns. Example assignments include:
1. Arrears Management Review
We conduct an end-to-end review of a creditor’s arrears management operations. Whether the objectives are maximising portfolio performance or supporting broader goals such as managing churn or enabling higher-risk lending strategies, we can evaluate your current processes and capabilities, compare them to market best practice, identify short-term opportunities and work with your team to define a longer-term roadmap to achieve your objectives.
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2. Asset Value Optimisation (AVO)
Our AVO service will assess debt portfolios and advise clients whether to retain these assets on the balance sheet or to sell. Opportunities to unlock value can be achieved by changing asset treatment to generate increased NPV, reduce servicing costs, release of provisions to reflect market value premiums above book value, release of regulatory capital and increased revenue from semi and non-performing assets.
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3. Market Insight/Intelligence
By using its unique data and industry-leading expertise we can help clients better understand the consumer credit and non-performing debt markets. TDX Group has supported potential investors by providing data and insight on the size of the current debt market, typical business models and future growth potential; comparing the key players in the market, market shares and typical approaches adopted by each; and forecasting future trends in the debt market, economic factors affecting the market and key risks
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4. Deal-specific Due Diligence
We have helped clients evaluate the capabilities and value of investment targets, including evaluating creditor servicing capabilities, debt collection agencies (DCA) and debt purchasers including processes, systems, data, analytics and people; benchmarking collection performance for different debt types and customer segments; and recommending required capability investments, performance improvement programs and cost saving opportunities
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5. Portfolio Valuation
We value consumer credit and non-performing debt portfolios, including forecasting and statistical analysis to predict future cash flows at a portfolio level, benchmarking of core model outputs against industry data on comparable portfolios and recommendations on strategies for value maximising liquidation, plus sensitivity testing of alternative valuation scenarios
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