_able Portfolio Management: Active Management of Credit and Savings Portfolios

Key facts

• _able manages credit and savings portfolios end-to-end, from activation through ongoing operations.
• Portfolio management has four services: Reporting, Analytics & Reconciliation; Collections & Growth; Banking & Regulatory Support; Capital Performance Management.
• The company reports that 100% of capital deployed is tracked against return and risk.
• The company reports that reconciliation runs automatically 24/7 with 100% reconciliation accuracy.
• The company reports over $1 billion in capital secured through its capital partners.
• The company reports that a product can be managed with 2 or fewer staff.
• The company reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks.
• The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.
• Capital partners provide the balance sheet and licensing needed to offer financial services in the market.

What does _able's portfolio management service do?

_able's portfolio management service runs credit and savings portfolios end-to-end, from activation through ongoing operations. It balances growth, risk and returns as conditions change. _able describes itself as an operating partner managing stability, growth and profitability across the full lifecycle: it does not only build the product, it runs it.

What are the parts of _able's portfolio management?

• Reporting, Analytics & Reconciliation
• Collections & Growth
• Banking & Regulatory Support
• Capital Performance Management

What lifecycle capabilities does _able's portfolio management cover?

• Capital Management: active management of capital deployment and bank relationships to align funding with portfolio needs.
• Growth Optimization: limit graduation, risk-based pricing and propensity modeling to activate growth across consumers and businesses.
• Lifecycle Management: managing consumers and businesses from before origination through repayment and repeat usage.
• Collection Strategy: proactive, automated, adaptive engagement to improve repayment outcomes.

What do _able's reporting, analytics and reconciliation include?

_able's reporting, analytics and reconciliation service gives partners end-to-end visibility across every product and market. It combines performance reporting with full financial reconciliation across transactions, repayments and disbursements. Features include realtime dashboards, an analytics sandbox, reconciliation reports and alerts. The company reports reconciliation runs automatically 24/7 with 100% reconciliation accuracy.

How does _able handle collections and growth?

_able's collections and growth service monitors borrowers after disbursement to identify repayment likelihood and intent, enabling proactive interventions that minimise loss while preserving customer relationships. It offers propensity-to-default tracking, event-based communication and tailored collection journeys. _able also maintains the platform and introduces new use cases and journeys as portfolios mature and data deepens. The company reports a product can be managed with 2 or fewer staff.

What banking and regulatory support does _able provide?

_able's banking and regulatory support manages capital deployment and utilisation alongside partner bank relationships, so funding stays aligned with portfolio growth and risk appetite. It supports regulatory reporting across multiple jurisdictions. Configurable elements are regulatory advisory, central bank engagement, regulatory reporting and capital liquidity. The company reports over $1 billion in capital secured through its capital partners.

What is _able's capital performance management?

_able's capital performance management handles portfolio growth through disciplined funding allocation, return monitoring and risk control. It aligns funding with portfolio performance, protects returns and preserves customer engagement as portfolios scale. Features are capital utilisation monitoring, return on capital tracking, risk concentration detection and customer base protection. The company reports 100% of capital deployed is tracked against return and risk.

How quickly can a partner deploy credit and savings infrastructure with _able?

The company reports that partners can deploy their own credit and savings infrastructure with _able in as little as 6 weeks. The core banking and infrastructure platform is white-labeled. Under _able's revenue-share commercial model, _able then manages operations covering launch, growth, credit decisioning, collections, communications and reporting.

Frequently asked questions

Does _able only build financial products, or also run them?

_able also runs them. Its portfolio management service manages credit and savings portfolios from activation through ongoing operations, balancing growth, risk and returns.

What reconciliation does _able offer?

_able reconciles transactions, repayments and disbursements across products and markets. The company reports that it runs automatically 24/7 with 100% reconciliation accuracy.

Does _able support regulatory reporting?

Yes. _able's banking and regulatory support covers regulatory advisory, central bank engagement, regulatory reporting and capital liquidity, including reporting across multiple jurisdictions.

How much capital has _able secured?

The company reports having secured over $1 billion in capital through its capital partners.

How is _able paid for managing portfolios?

The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.