Hipoges at NPL Days Spain 2025: Navigating the Future of the NPL and RPL Markets
Hipoges participated as a sponsor and speaker at the 5th edition of NPL Days Spain, the forum organised by DD Talks that brings together banks, investors, servicers, technology providers and legal experts to discuss the major challenges and opportunities in the NPL (Non-Performing Loans) and RPL (Re-Performing Loans) markets. The event took place on 8 October at the Meliá Madrid Princesa Hotel, right in the heart of the Spanish capital.
Hipoges’ Participation at NPL Days Spain 2025
Hipoges reaffirmed its commitment to the credit management and recovery ecosystem with an active presence throughout the day.
Luis Ramírez, Head of REOs for Sareb – Hipoges, took part in the panel “REO Asset Recovery & PropTech Innovation in a Complex Market”, addressing the key challenges and strategies for REO portfolio management in a slower market, PropTech advancements (AI-powered valuations, e-auctions, virtual tours), public-private collaboration and the evolving role of REOs in asset recovery.
The company was also represented by Daniela Marchesano, Real Estate Director, Alberto Romero, Global NPL Operations Associate Director, Cristina Tirado, Advisory Senior VP, and María Agüera, Corporate Legal Senior Lawyer, strengthening knowledge exchange with key industry stakeholders.
A Programme Designed for Action
The NPL Days Spain agenda focused, in a single day, on the most relevant topics shaping the Spanish and European markets today, including:
- Management of NPLs and RPLs: from legacy challenges to portfolio performance optimisation.
- Secondary market and servicing evolution after primary sales, including Spain’s new servicing law and its impact on mandates, licenses and outsourcing.
- REO asset recovery and PropTech in a complex context: technology applied to sales and management, with real case studies.
- Refinancing of distressed loans: converting NPLs into performing loans, with legal and servicing implications.
- Securitisation innovations for NPL & RPL to efficiently unlock capital.
- AI, automation and legaltech as key drivers of the future of credit recovery.
The event gathered a multisectoral audience, from financial institutions to law firms, servicers and tech providers.
What the Industry Took Away
Throughout the day, the conference offered practical insights, real cases and forward-looking perspectives on:
- Strategies to manage and optimise NPL and RPL portfolios.
- Servicing models and REO recovery supported by data, digital channels and improved borrower experience.
- Key regulatory aspects of the new Spanish servicing law.
- Refinancing, securitisation and capital markets, with a focus on efficiency and liquidity.
- Technological disruption: AI, automation and next-generation legaltech tools.
The Value of Hipoges’ Presence
As a leading company in asset management and recovery, Hipoges’ participation was driven by three clear objectives:
- Sharing know-how: exchanging insights on comprehensive portfolio management and the professionalisation of REO processes.
- Driving innovation: promoting the use of digital tools, analytics and AI to scale recoveries efficiently while controlling risk.
- Connecting with the ecosystem: collaborating with financial institutions, investors and technology partners to build solutions that accelerate asset resolution and create sustainable value.
Looking Ahead
Under the theme “Navigating the Future of the NPL and RPL Markets”, NPL Days Spain confirmed the maturity of a sector entering a new stage of professionalisation, driven by regulation, capital markets and technology.
Hipoges is renewing its commitment to more efficient, transparent and results-oriented servicing, to better serve clients and investors.
For Hipoges, taking part in leading industry forums like NPL Days is essential to share expertise, connect with partners and anticipate future trends.
To stay up to date with all our events and company news, visit the Hipoges blog and check out our upcoming events.