Financial Assets Service

Atmosphere is ready to provide the service with higher quality and cheaper than customers could do themselves.
We work with portfolios of any quality.

Atmosphere has been working as a service agent, including securitization transactions, for 10 years. The Company has been accompanying a portfolio of more than 7 billion rubles. The Company has the highest possible rating of the Federal Agency and has won tenders for choosing the service agents due to a constantly high level of services. 

Portfolio behavior and bond yields depend on quality of services. It is extremely important that the activities upon which yields depend must not be affected by risks. A quality service for the pool of assets and monitoring of the service level are required to ensure it. The structure should also have an independent organization which can provide  timely and quality support of the portfolio and act as a servicer; this is the back-up service.

Debt Management

Atmosphere performs analysis of accounts receivables regarding many factors, including identification of doubtful and troubled debts. We analyze parameters for collection of accounts receivables, including the system for collecting payments and the accounts receivables collection policy. We develop recommendations for accounts receivables management and forming principles of the enterprise's credit policy. We have developed and implemented standards for managing troubled and past-due debts, including standards for out-of-court settlement, action proceedings, enforcement proceedings, and disposal of assets.

We offer an entire range of services for accounts receivables, including checks of invoices, identification of frauds, and settlement of disputes. Our recommendations allow our customers to improve efficiency fo their work with accounts receivables and increase the quality of their credit portfolio.

We may act as a back-up servicer for the transaction and provide daily, weekly and/or monthly reports on a regular basis.

Primary Service

Atmosphere offers high quality portfolio support based on a proven business model and developed Support Standards. Our Company guarantees that the customer's pool of assets is maintained in the same condition tmake the portfolio generate a non-declining level of returns and avoid exceeding the preset acceptable default level.

Main Service

We provide supervision over primary servicers. Atmosphere provides supervision over support quality: it includes monitoring of delay level reduction measures, payment collection, preparation of reports, distribution of funds, and customer service quality.

Back-up Service

The Company makes the investors sure that the services are provided at a constantly high level of quality by being always ready to accept a coverage portfolio of assets for support. Atmosfera offers 'hot' and 'cold' service (the term for accepting the portfolio is 60 and 90 calendar days respectively). We may provide daily, weekly and/or monthly reports on a regular basis.