EthicalFin NPL

EthicalFin NPL is an Italian company that operates under a license ex art. 115 (T.U.L.P.S.) and performs sub-servicing activities on Non Performing Loans portfolios. It was founded in 2017 by Alfredo Fineschi (CEO and Co-founder) and Alessandro Mele (Co-founder and CEO of EthicalFin Limited, a London-based financial advisory firm). Together with EthicalFin Limited, we are committed to promoting change and bringing ethics back into the financial markets. Our mission is to:

• achieve win-win solutions, in credit recovery operations
• implement strategies that generate social value within the community and territory in which we operate.

We have experienced in the field that acting ethically leads to better results, for all parties involved. In 2020, EthicalFin NPL and lawyer Francesco Torre established the Torre EF Law Firm, which combines sub-servicing with legal assistance throughout the country, thanks to a team of lawyers specializing in banking, damages, utilities, corporate, business crisis, and securities and real estate executions.

The values that, combined with industry expertise, enable us to achieve our goals:

• Transparency in due diligence operations
• Creation of relationships of trust
• Sustainability of the recovery strategy in all its phases

Now more than ever, it is necessary to implement ethical and responsible management of NPL loans. The 2008 crisis shook the financial markets deeply and generated a huge volume of NPLs. The 2020 crisis generated as many more. The goal of EthicalFin NPL is to take up the challenge, launch projects with high social impact, and promote the revaluation of resources and capital.