Daniele Chiusole, from Asset Manager to Head of Collection and Credit Servicing of AZ InfoCollection
Reserved, professional and extremely focused, these are the main features that catch the eye when working side by side with Daniele Chiusole. Born in Trento, and belonging to the ’80s class, Daniele joined AZ InfoCollection in September 2015 as a Performer Asset Manager. To date, he holds the position of Head of Collection and Credit Servicing.
When I arrived here in September my aim, as it then occurred, was to structure the debt collection field, established two years earlier, in a more organic way, in order to become competitive at a national level. Since that day many steps forwards have been done, and now AZ InfoCollection is a very dynamic reality and always projected towards new challenges. Today, considered the financial / banking DNA, we are expanding the sector towards different types of credit such as the Energy one.
During his past career he held the position of Asset Manager in TELKOM S.P.A, another large company within the Credit Management field, where he managed large flows of figures to normalize.
Actually, my first work experience was in Intellservice (2010-2012) where I was involved within the management of commercial credit. In a first instance, I saw this new world as a “foothold”, but over time I began to find it extremely interesting and much more complex than I had thought. This really fascinated me, so I dedicate myself on it. Even on that occasion I ran multiple workgroups. Later, I decided to change type of work, switching from corporate credit to banking and financial credit, and I must say that even there I gained good experience. Then I was introduced to the reality of AZ InfoCollection and I decided to join the project because it was a nice challenge that attracted me a lot. It was the right reality where to make the best of my knowledge.
Reference point in the company, thanks to his expertise, with a keen interest in the world of bad debts (NPL) of which he is an expert analyst, Daniele coordinates workgroups, liaising with clients to define and propose the best strategies. Among other duties, in AZ InfoCollection he is contributing to the development of the Debt Collection sector, holding the responsibility of the whole area, including the different sectors of Phone, Home Collection and Master Legal, working on the implementation of operational strategies, as well as carrying out activities of management, credit analysis and definition.
AZ InfoCollection has got an enormous strength point, given by the symbiosis between the debt collection and the info providing. Being it a reality always on the move, it is aimed at the continuous development of its business dynamics. Inside it has a qualified staff, with people holding a great expertise in the business, and this allows us to have a 360-degree perspective with anything concerning banking / financial collection. A key element to optimize credit management, then, is the use of technology. In fact, our company can rely on management software designed to integrate operations with strategic application, this being very helpful in the integration between collection activities and info providing, thus representing a competitive advantage that allows us to distinguish ourselves from our competitors.
Asking him for an opinion on the NPL market in Italy, he replied:
This is a golden period in this field. Of course, those who want to join the market must consider that credit values are now fairly saturated, so profit margins are decreasing, especially regarding investments on large deal where the competition is very fierce. To date, in my opinion, the most interesting part is that concerning small or medium-sized portfolio. Beyond all, it is necessary to hold an extreme understanding of the market in this field, as it’s very easy to make a misstep; therefore a detailed analysis of the situation is always needed. Not by chance, UTPs are lately taken into account as a new business segment and our latest Observatory shows that this could be a very interesting category to consider for the future.