QUALCO began its journey in Athens in 1998 as a technology solutions provider. Initially focused on the financial sector, we quickly developed deep expertise in non-performing loans (NPL) and Collections & Recoveries, delivering tools to address credit challenges.
As client needs and market dynamics evolved, so did our offering. Today, we support the entire credit and lending lifecycle, from origination and servicing to restructuring and recovery, helping organisations optimise performance at every stage.
Οur technology is now used in over 30 countries. While we remain a trusted partner to banks and financial institutions, our scope has expanded significantly. We now support clients across industries, including retail, energy, and utilities, applying the same rigorous approach to technology, insight, and compliance across sectors.
As the technology arm of Qualco Group, we combine deep sector knowledge with scalable software and AI-driven tools designed to help institutions manage credit operations more efficiently, make informed decisions, and adapt confidently.
Supporting Every Stage of the Credit Journey
Our solutions span:
1️⃣ Credit & Lending
QUALCO Loan Manager handles all servicing and credit restructuring operations, from portfolio onboarding to loan disbursement. QUALCO Loan Originator streamlines the origination of financing products, from credit cards and mortgages to consumer and corporate loans, enabling creditors to adapt and meet evolving regulations.
2️⃣ Collections & Recoveries
The QUALCO Collections & Recoveries (QCR) platform centralises in-house and third-party activities, covering the entire credit lifecycle - from high-risk performing accounts to legal and recovery stages. It handles various receivables, including bank credit, unpaid invoices, and more. QCR's Omnichannel Collections module lets you connect with customers on their preferred channels, boost engagement, and accelerate repayments. Meanwhile, our fully configurable Digital Self-Service Collections Portal offers flexible customer journeys, ensuring no risk and quick deployment.
QUALCO Data-Driven Decisions Engine automates every stage of the analytics workflow, from data ingestion to actionable insights, while QUBE integrates with your collection platform, transforming historical data into targeted decisions for process optimisation and fast ROI.
Curious about how QUALCO simplifies integration and migration in collections? Explore our hands-on guide →
3️⃣ Supply Chain Finance
QUALCO ProximaPlus, our end-to-end Receivables and Supply Chain Finance platform, unlocks working capital, improves cash flow and drives operational efficiency with digital innovation. Meanwhile, QUALCO Kyberas facilitates dynamic discounting, from initiating transactions between buyers and suppliers to managing the entire process seamlessly.
4️⃣ Business Automation
With QUALCO Process Automation, organisations can simplify processes, from initial planning and design to seamless execution with intelligent system integration.
More Than a Technology Provider
QUALCO's evolution to a full-spectrum credit and lending partner reflects broader changes in financial services. As institutions face growing regulatory pressure and higher customer expectations, delivering consistent, measurable value across the credit lifecycle has become essential. We support this shift by providing flexible, data-informed solutions that help organisations operate efficiently, stay compliant, and plan for the long term.
Artificial Intelligence is embedded across our solutions—not as a standalone feature, but as a way of enhancing how decisions are made, and processes are run. From risk assessment to day-to-day operations, we use AI where it adds value. We're committed to applying AI responsibly, with a clear view of its broader role and in line with evolving regulatory expectations. We aim to ensure AI supports—not replaces—human expertise, helping institutions respond confidently in an ever-changing environment.
Interested in how our scalable solutions deliver measurable results and rapid ROI? Read our blog →
