The company is a global specialty finance firm that purchases, collects, and manages nonperforming loan portfolios across multiple asset classes including credit cards, consumer loans, auto loans, and small business loans. Operating in 18 countries with principal markets in the United States and Europe, the company generates revenue by acquiring distressed debt portfolios through competitive bidding and direct negotiations, then recovering value through a combination of internal and outsourced call centers, legal proceedings, and digital collection platforms. The company also manages accounts of borrowers in insolvency or bankruptcy proceedings across various jurisdictions and offers ancillary class action claims recovery services, competing on the basis of pricing, reputation, originator relationships, proprietary underwriting expertise, and demonstrated collection efficiency across diverse markets and loan types.