The Dynamic Synergy approach
We see the consumer credit business from an integrative, synergistic perspective and the customer in sight. We know that alignment between the different practices and areas within the company is the key to gain a sustainable competitive advantage and long term profitability.
All parts of the company, and especially credit risk managers and commercial areas including but not limited to Sales, Segment, Product and Marketing, are part of the same single team. The secret of success in the consumer credit market is to achieve structural and strategic alignment towards focused objectives, instead of achieving balance by managing divergent internal forces.
The challenge of focusing on profits vs. growing market share
When an organization needs to focus on growing profitably, it requires precise alignment of all its processes in order to maximize results. Usually, natural alignment fails to achieve the double goal of generating high levels of profit and growing at the same time. The natural organizational response is to either focus on short term profit, sacrificing in the process some of its growth potential, or to grow, losing long term profitability in the process.
Dynamic Synergy Alignment
Our experience has let us find the best ways to synergistically align strategies, processes and structures, so as to properly manage the inherent risks of the consumer credit business and maintaining the highest possible profitability level, as the market evolves.