PAIR Finance Names Thomas Duvacher to Lead French Debt Collection Expansion

PAIR Finance has appointed Thomas Duvacher as Managing Director of its French operations. The move signals the company’s ambition to lead France’s debt collection market. Duvacher brings over two decades of experience in financial services, credit management, and debt collection to the role. Thomas Duvacher joins from Intrum France, where he served as Managing Director and Chairman. His extensive background aligns with PAIR Finance’s goals in a growing market.

France remains one of Europe’s largest consumer credit markets. Customer acquisition costs are at record levels, and open claims increased by 9.8% in 2025. PAIR Finance aims to stand out by turning debt collection into a retention opportunity.

The company uses a proprietary platform that combines artificial intelligence, data science, and behavioural psychology. This approach tailors communication to individual consumer profiles, improving recovery rates by around 15% compared to traditional methods. Real-time customisation also enhances the customer experience.

PAIR Finance balances strong recovery performance with brand reputation. Its TrustScore of 4.7 out of 5 on Trustpilot exceeds industry standards, reflecting its user-focused approach. With Duvacher’s appointment, PAIR Finance is positioning itself as a leader in the French market. The company’s AI-driven methods and customer-centric strategy are designed to improve recovery rates and satisfaction. This expansion strengthens its presence in a key European market.