Refinancia S.A.
Shubhankar Joshi is a Senior Software Engineer at intelliCard Solutions AG, with experience in PKI Certificate Lifecycle Management and smartcard validation software development using Java, JavaScript, C++, and the Qt framework. Previous roles include Software Engineer Intern, focusing on RFID smart card programming and NFC reader application development, and Full Stack Developer Intern at Bharat Electronics. Additionally, Shubhankar has held leadership positions at IAESTE, managing financial operations and coordinating incoming student programs. Educational qualifications include a Master's degree in Informatics from the University of Zurich and a Bachelor's degree in Computer and Communication Engineering from Manipal Institute of Technology.
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Refinancia S.A.
We purchase and service consumer and mortgage Non Performing Loans (NPLs). NPL pools are valued packaged and offered to sophisticated investors. We became the local pioneers as buyers of bad debt in Colombia, in time banks started to follow a trend of selling NPL portfolios recurrently. As time passes, we have focused in developing a very solid loan servicing company based on analytical capabilities that allow adequate prediction of credit recovery. In addition to offering financial solutions to individuals with bad credit history, our business is also about offering alternative investment products to institutional and private wealth investors seeking attractive returns.