Rafael Paim Email & Phone Number

Madrid, Community Of Madrid, Spain

Servdebt is an independent Iberian NPL and REO Asset Management company. Lisbon-based, we also have offices in Porto and Madrid.Throughout our 15 years of history, we have been building a relevant presence in the Iberian market, by working with the leading financial institutions and major international investors.Our track record of successful projects results from the combination of a multidisciplinary and committed team, and the development of our technological solutions, which helps us to provide an end-to-end service to our clients.Servdebt’s specialized know-how in the servicing of distressed debt has no parallel in the Iberian market.We offer expertise in the provision of integrated services for the acquisition and management of distressed loan portfolios and real estate assets. From market analysis and advisory services to valuation and asset recovery, we are here for our clients.

Madrid, Madrid, Spain

As Senior Investment Manager, I specialized in identifying, evaluating, and optimizing high-value investment opportunities, with a focus on non-performing loans (NPLs) and real estate portfolios. My role combined strategic leadership with hands-on management, delivering measurable results in portfolio performance and investor returns. Key responsibilities and achievements include:Investment Analysis & Strategy:Conducted comprehensive due diligence for large-scale investment opportunities, focusing on NPLs and real estate markets in Spain and Portugal. Developed robust financial models and valuation frameworks, enabling data-driven decision-making and maximizing investment potential.Portfolio Leadership:Led the management of four high-value Spanish NPL portfolios, overseeing a multidisciplinary team comprising loan managers, real estate managers, and analysts. Supervised an additional four granular residential portfolios, optimizing asset performance through tailored strategies and efficient resource allocation.Team & Stakeholder Collaboration:Managed cross-functional teams, fostering collaboration among investment analysts, loan managers, and real estate professionals. Maintained transparent communication with stakeholders, ensuring alignment on investment objectives and risk management strategies.Results-Driven Impact:Achieved consistent improvement in portfolio recovery rates through innovative asset management techniques and proactive issue resolution. Enhanced portfolio value by identifying untapped opportunities within complex loan structures and distressed assets.

Lisbon, Lisbon, Portugal

Description:* Data Storage / Architecture:Understand if the data available and recorded is sufficient to address the specifics of each portfolio; namely legal data (types, phases, timing, strategies) and amicable (cooperation levels, payment plans metrics: set up, delinquency, curate levels).Design when needed some databases to ensure borrower details, product info, and performance.* Data Quality:Uniformize the data with CRISP-DM methodology and ensure enough data to the BI team produce insights about the propensity to pay, timing curves and ERC%. Collaborate with recovery teams to collect more and better data.* Data Models:- scoring (borrowers / products / default date / originator)- classification (main criteria’s to split the portfolio into different vintages)- forecast models (decision trees, historical performance benchmark, DCF)* Delivered performance KPIs at a granular level, having in mind that a reasonable depth should be achieved not to lead to a case by case analysis. Testing and sampling controls groups should be used to validate strategies and the underwriting business plans.* Ensured daily to daily tasks fulfill these requirements and lead, as well as, motivate the staff to understand the value of data and to produce enough findings to apply in future deals and to follow the deviations from the initials expectations.Achievements:* Conducted several due diligences with top vendors (BCP, SANTANDER, CGD, NOVO BANCO), and completed 8 portfolio deals; Portfolio Pricing Methodology:Historical Benchmark PerformanceDue Diligence AssumptionsSampling Portfolio Analysis

Lisbon, Lisbon, Portugal

Description:* Contributing significantly in the preparations of business plans and asset valuations as a leading member of the team, as well as in other aspects of investment strategies and portfolio management in cooperation with senior team members* Conducting meticulous analysis to facilitate evidence-based course of action by accurately predicting, properly measuring and correctly interpreting business and market trends* Utilizing insight analytics, statistical techniques, and scorecard development to identify segmentation opportunities within portfolios properly* Overseeing data set-up, organisation, and validation by verifying data quality in the servicer database (SLS) and liaising with clients, suppliers and internal process owners to identify optimal procedures* Developing and upgrading reports to measure Key Performance Indicators with Excel and SQL* Assisting the operational and client relationship teams in optimizing portfolio performance by thoroughly analyzing available data to present an accurate depiction of the situation at hand* Contributing in daily operations in various other ways including developing financial models to forecast cash flows, examining financial ratios, adjusting recovery strategies, and providing practical, value-based solutions for challenging business problemsAchievements:* Developed comprehensive, accurate pricing and valuation models using historical data to forecast trend, behavior, and performance in unsecured / secured portfolio* Managed and organized several due diligence processes, resulting in deals of more than €600m* Hired, managed and coached junior members of the financial analysis department* Managing and maintaining portfolios and customer relationships for total assets of €1bn* Supported management by working collaboratively with departments on a monthly basis to relay vital information and ensure a mutual understanding of business financial performance

Lisbon, Lisbon, Portugal

Description:* Developed tools to measure and analyze information such as KPIs, financial ratios and models* Managed complex financial models and delivered detailed financial and operational projections* Enhanced the speed and vigor of critical data calculation by automating relevant processes* Performed scenario analysis to properly allocate available resources according to growth objectives* Reported vital financial information to London Headquarters on a monthly basisAchievements:* Worked diligently in cooperation with the MIS team as a leading member of Strategy & Planning / Franchise Consolidation, Reporting & Planning department to automate internal and external reporting processes, enhance data accuracy and augment Cognos database maintenance capabilities* Upgraded an outdated automatic report tool to fix various problems including duplication errors and augment the external reporting process, reducing the time required to calculate and execute* Overhauled the existing performance report, increasing the accuracy and reliability of information* Enhanced the SQL queries of end-of-month automatic reports to include more detailed information* Conducted meticulous analysis of all products mapping and cost allocation with ABC methodology, detecting several previously unknown errors causing inaccurate profitability conclusions* Implemented a successful project to split data by business areas such as retail, corporate and wealth to reduce required upload time and speed up the overall process

Lisbon Area, Portugal

Description:* Devised and executed innovative project plans adjusted to meet shifting needs and requirements* Analyzed project profitability revenue and margins, and developed financial and valuation models to properly examine corporate and industry efficiency and operating performanceAchievements:* Consolidated and streamlined business operations following the concession of several roads and hospital Public-Private Partnerships (PPPs)

Lisbon, Lisbon, Portugal

Description:* Managed €900m through several secured (collateralized) and unsecured (consumer) portfolios of Bank of America / Merrill Lynch, Credit Suisse, and Goldman Sachs / Archon Group* Supervised the loan asset management team consisting of 4 asset managers, 2 real estate managers and 2 legal managers to ensure unencumbered operations and optimum performance at all times* Conducted thorough quantitative and qualitative financial data analysis to identify future trends correctly, accurately forecast revenues and expenses, and assess risk related to real estate investments* Developed and augmented innovative business plans and complex financial models including NPV, IRR, Discount Cash Flow and ROI models to evaluate implications of new strategic planning initiativesAchievements:* Enhanced cash flow and maximized returns with financial and operational performance strategies* Maximized recovery collections and revitalized payment plans by developing innovative approaches for litigation, bankruptcy and foreclosure cases as well as for loan restructures and relevant negotiations* Assisted in a distressed debt portfolio acquisition by conducting due diligence, developing a pricing model and assuming responsibility for servicing

Lisbon, Lisbon, Portugal

Description:* Gathered and thoroughly analyzed client information to establish appropriate strategies* Elevated the assets under management by more than €1m by accurately identifying the most active and profitable investors / clients and developing appropriate specialized service practices* Contributed in developing, adjusting and implementing derivative investments

Lisbon, Lisbon, Portugal

Description:* Handled various cash management aspects such as general accounting and account reconciliation* Liaised with other departments and delivered reports and presentations on financial issues* Developed mission and business plans for the recently established finance / treasury department

Licentiate Degree, Economics

» Economics » Accounting » Quantitative Methods

Executive Education, Derecho Hipotecario

» Estudio general del derecho real de hipoteca » La cesión del crédito hipotecario

Executive Education, Construcción Y Análisis De Modelos Financieros

» DCF, LBO, M&A models » Project Finance and Real Estate models

Postgraduate, Analytics For Business

» Data Science » Statistics » Business Intelligence » IBM SPSS Modeler

Postgraduate Degree, Corporate Finance

» Corporate Finance » Financial Markets » Financial Instruments » Risk Management

Erasmus Student Exchange Programme, Economics

» Economics » Accounting » Quantitative Methods