NPL/UTP Portfolio Analysis

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Technology

Cost-effective development with modern microservices architecture and cutting-edge Python/FastAPI backend

🚀

Speed

Reduced execution times through automated workflows powered by Prefect orchestration engine

📊

Efficiency

Automated portfolio management with integrated monitoring, real-time analytics, and ML-driven insights

Pomata Platform

Web-based NPL/UTP portfolio management platform designed for credit institutes, servicers, and financial operators. Covers the entire lifecycle from acquisition to recovery with advanced analytics and compliance tools.

Functional Coverage

Comprehensive suite of modules for end-to-end portfolio management

📋 Portfolio Onboarding

VDR ingestion and validation

🔍 Due Diligence

Stratification and sampling

💰 Pricing & Valuation

DCF-based purchase price calculation

📈 Portfolio Monitoring

Real-time variance analysis

🏢 Company Evaluation

Credit scoring and risk assessment

📊 Business Plan Management

Baseline tracking and updates

💼 Loan Management

Position tracking and actions

🔒 Compliance

Regulatory requirements

📑 Reporting

Advanced analytics and exports

🤝 Partner Management

External servicer coordination

🔄 Workflow Automation

Prefect-based orchestration

☁️ Cloud Integration

API-first architecture

Key Benefits

Single integrated platform for all NPL/UTP operations
Cloud-ready architecture with containerization support
Open-source foundation with enterprise features
Real-time portfolio analytics and dashboards
Automated workflow orchestration with Prefect
RESTful API for seamless integrations
Comprehensive audit trail and logging
Machine learning-powered predictions
Multi-user access with role-based permissions
Regulatory compliance built-in
Scalable from single portfolios to enterprise deployments
Cost-effective with flexible deployment options

Technical Architecture

Backend

FastAPI + Python

High-performance async API with Pydantic validation, SQLAlchemy ORM, and Prefect workflows

Frontend

Panel + JavaScript

Interactive dashboards with Chart.js visualizations and reactive state management

Architecture

Microservices Ready

Modular design with API-first approach, containerization support, and horizontal scalability

🍅 Pomata NPL/UTP Portfolio Management