Welcome To Cepal


Cepal is a company which specializes in providing servicing management for loan and credit receivables, regulated by the Bank of Greece and according to Article1 Paragraph 1. a. of Law 4354/2015 as stipulated in the Executive Committee Act 095/27.5.2016.
We bring strategic know-how and advanced servicing methods, providing innovative, flexible and effective solutions to clients and borrowers.
As a pioneer in the Greek market, Cepal aspires to become the leading company for managing receivables, providing mutually beneficial servicing solutions to clients and borrowers through the implementation of successful international practices.
Our vision is to mark a new era in the evolution of the Greek banking sector through the application of new specialized standards and sophisticated know-how, which will drive efficiency and transparency across all our procedures.

Our Approach

At Cepal, we have designed a three-pronged approach and specific tools that allow us to optimize the services we provide to both our clients and borrowers.

Friendly approach

Sincere communication is a key and powerful tool we have at our disposal. By carefully evaluating each borrower’s financial situation, we are able to assess their current and future abilities. Our borrower-centric communication approach allows our specialized representatives to find the optimal solution for everyone.

Data Analytics & IT systems

Through our advanced IT and data analytical systems, we are able to develop tailor-made offers for borrowers. This means that via combining our know-how and our sophisticated technology, we are better positioned to enhance our decision-making strategies, create “win-win” agreements with borrowers and enhance our business results.

Long Term Amicable Solutions

As we are in the business of creating mutually beneficial relations all of our procedures aim at the creation of personalized and amicable agreements. We methodically assess each case separately and create specific offers focusing on long term optimal solutions for borrowers.


Cepal is thoroughly committed to be fully compliant with the Code of Conduct of the Bank of Greece (BoG), as well as other relevant regulatory provisions governing its operating framework.
The Code of Conduct sets out to establish the general principles of conduct for both credit institutions and for borrowers, taking into account the specificities of each borrower in order to design the best possible solution on a case-per-case basis.
The framework which is defined by the BoG aims to inform and protect the borrowers, as well as serve as a communications guideline for credit institutions.
The company has the obligation to include at Stage 3 of the A.R.P. the borrower that submits on his own initiative, the information required by the Code for the assessment of the ability for repayment of his/her debts, regardless of whether he/she is subject to the exceptions of:
i) Contract claim already terminated before 1/1/2015
ii) Claim against borrower who has filed an application under Law 3869/2010 for which a hearing has been set.

It is noted that in cases of borrowers under management, entrusted by Institutions supervised by the Bank of Greece, the implementation of the A.R.P. stages. of the Code of Conduct is carried out on a case-by-case basis by the relevant supervised Institutions.



As a member of the Cepal team you will be part of a dynamically evolving and meritocratic environment, which offers competitive compensation and benefits, and that rewards your performance, passion and skills in playing a key role towards the realization of our vision. You will be working in a professional environment, which ensures intensive and thorough training and continuous development of your skills. Moreover, you will be in the unique position to contribute to the improvement of the servicing sector of loan and credit receivables in Greece.

We are looking for:
  • Experienced professionals with strong self-motivation
  • High sense of responsibility and ethical values
  • Originality of ideas and initiatives
  • Excellent communication and negotiation skills

  • Job Openings:
  • Collections Agent
  • Enforcement Actions Lawyer
  • Financial Advisοr
  • SME Officer
  • Operations Support Officer
  • Software Engineer

  • Please send your CV to express your general interest to: Join Cepal

    Contact Us

    For any enquiries relating to your loan and credit servicing, you may contact us on (+30) 213 088 6600, or via email at cepalservices@cepal.gr or via fax at    (+30) 213 088 7790-91

    For any enquiries related to H3P loans, you may contact us on (+30) 213 099 6150, or via email at customerinfo@cepal.gr or via fax at (+30) 213 088 7781

    For any enquiries related to products of HOIST FINANCE AB (publ) (which were transfered from Alpha Bank on December 21st 2018), you may contact us on (+30) 213 099 6170, or via email at customerinfo2@cepal.gr or via fax at (+30) 213 088 7795

    For any enquiries related to products of Credit M, you may contact us on (+30) 213 088 7738, or via email at customerinfo3@cepal.gr or via fax at (+30) 213 088 7797

    For any Corporate or other enquiry, you may contact us on (+30) 213 088 7600, or via email at cepalcorporate@cepal.gr or via fax at (+30) 213 088 7780