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Guidance desk
1–2 of 2 published guides-
01
GuideThe NPL Is Too Late: Why Stressed Loans Need an Asset Record Before Default
India’s largest asset-reconstruction market is starting to move upstream from buying non-performing loans into servicing loans before they become NPAs. Asset Reconstruction Company (India), or Arcil, is launching collections-as-a-service for banks and other financial institutions, explicitly targeting SMA-1 and SMA-2 accounts as well as NPAs. The shift matters because a loan does not suddenly become an operationally complex asset on day 91. Payment events, contact history, promises to pay,...
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- Servicer
- Asset
- Debt portfolio
- Stage
- Learn
- Topics
- loan state history non performing loans credit data and risk
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02Guide
Private Credit Has a Data Problem Before It Has a Liquidity Problem
Private credit was built around negotiated loans that could be held for years. In 2026, rising defaults, redemption pressure and a fast-growing secondary market are testing that assumption. When a portfolio needs liquidity, the quality of the underlying loan record suddenly matters just as much as the headline yield.
Read article- Audience
- Asset manager
- Asset
- Debt portfolio
- Stage
- Learn