WELCOME TO Código XR Capital

Your strategic partner in Brazil for managing non-performing loan portfolios with global performance and local execution.

Who are we?

At Código XR Capital, we help global investors access the potential of the NPL market in Brazil.

We are a Local Master Servicer with a global vision, specialized in turning non-performing loan portfolios into valuable assets, combining technology, governance, and strategic execution.

Our mission: to generate consistent and secure returns for our partners through a structured process of recovery and risk management.

Rodrigo Pedreira

Our Differentiators:

Global authority + local execution

International experience combined with deep knowledge of the Brazilian market.

Proprietary Methodology.

Collection and management processes that maximize recoveries and reduce costs.

Innovation in NPLs

Use of AI, automation, and tokenization to increase liquidity and accelerate returns.

Network of strategic partners

Alliances with law firms, fintechs, and local service providers for easy and efficient execution.

Co-Founder’s Story

Rodrigo Pedreira

Co-Founder and Manager.

With over 20 years of experience in the credit, collections, and risk management market, Rodrigo has led operations at banks, funds, service providers, and global companies.

Experience in strategic positions

Director of Operations & Risk -- PRA Group (Nasdaq PRAA)

Head of Credit and Collections -- Tenda Construtora

NPL Portfolio Management -- Itaú, Bradesco, BTG / Recovery, Credigy, FIS Global

Results that support our execution.

Founders' successes:

80 portfolios managed through 3 FIDCs in Brazil
R$ 15 billion in face value acquisitions
R$ 900 million recovered annually in led operations
-35% losses and +20% margin, generating +R$ 150 million net profit (Tenda)
ROI 25% above CDI on strategic goals
32 outsourced companies coordinated and +3,000 indirect employees
Goals > US$ 15 million in offshore operations (USA)
2 MBAs - FGV (Big Data & Analytics; Business Management) and a Business Administration degree - Mackenzie

Our performance in NPL

We present complete and structured management at all stages of the cycle:

Origination & Due Diligence - Accurate pricing and careful assessment of portfolios.
Acquisition & Structuring - Operation design, financing, and governance.
Management & Recovery - Multichannel strategies with technology and automation.
Governance & Compliance - Transparency and controls to reduce risks.
Monetization & Liquidity - Exit strategies, securitization, and credit tokenization.

BELONG

Ready to access the Brazilian NPL market?

Talk to our experts now and discover how we can turn risk into return for your portfolio.

Contact the Código XR team

Our goal is to be your trusted partner that transforms risk into sustainable return.