Consumer Finance
The market for consumer loans is characterised by a high stability – yet, in the past years it was not able to achieve the record sales figures from 2003 to 2006. With moderate market growth, the competitiveness of the providers becomes the most important factor for business success.
Successful consumer lending institutions target their business model towards efficiency and speed and consistently consider their customers’ needs for simple and innovative products. Successful providers market new products by means of lean and industrialised business processes. Efficient organisations use high-performance information technology and are highly responsive. Moreover, an increasing internationalisation can be observed.
In addition to the strategic design in product and production and the supporting processes, extended regulatory and cost-accounting requirements present the consumer lending institutions with current challenges. Linking management-relevant information – in particular with regard to risk-sensitive income management – enables the development of business segments and the ensuring of growth. State-of-the-art risk management systems are the respective prerequisite.
For many years now, zeb/ has specialised as one of the leading German management consultancies in the financial services sector and has acquired a specific know-how for the retail business and credit processes. We actively support our customers in meeting these new challenges. This includes:
- assistance in business strategy focusing,
- implementation of demand-based sales concepts for different distribution channels,
- setup of a value-adding risk management,
- creation of specific, target group-oriented reporting,
- establishment of efficient and cost-effective business processes,
- process performance measurement and resource management, and
- development plan for a stable IT landscape.
The comprehensive and cross-disciplinary know-how of our experts makes zeb/ a valuable partner for institutions specialising in consumer finance. zeb/ contributes to increasing your competitiveness and securing your income – with comprehensive analyses of individual situations by means of value driver correlations and solutions to specific issues.