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Achieve Your Vision for Growth

Credit Services for EMEA


Capability Fact Sheet

Changing the way you do business is an important decision. Whether you are trying to reduce costs, manage risks, decrease capital expenditures, or expand your business, HP Credit Services offer the experience and expertise to help you achieve your goals. We help you leverage your vital strategic resources while providing proven back-office solutions for transforming your credit services.

Features
HP Credit Services offer your organisation the following support: Euro-compliant loan-processing systems A complete mortgage- and loan-outsourcing solution An integrated framework to streamline and automate processes Flexible pricing with a flexible delivery model Branded private label customer-interaction management

Manage risk while delighting your customers

The European lending market faces intense Proven experience in significantly reducing competition and increasing commoditisation of lending processing costs products, putting pressures on margins. Credit risk is Service delivery excellencewith leveraged also increasing, as shown by an energised property worldwide expertise market with falling interest rates and increased Access to global best practices and innovation consumer spending. Ability to integrate with your existing IT Globally, risk confronts consumer credit lenders on all sides. Government regulations such as Basel II require an enterprise-wide approach to risk management, as lenders search for cost-effective ways to mitigate operational and credit losses while growing their portfolios. Maintaining operational flexibility to enter and exit markets without overextending capital investments is becoming even more critical.

Expect more from HP


HP Credit Services deliver results based on four key strengths: HP provides a wide spectrum of mortgage and consumer-lending solutions with the full continuum of servicesfrom origination, administration, and servicing to collection and asset recovery. We can help you identify and generate new revenue through innovative channel strategies, and provide capital relief through risk management and securitisation.

As a lender, you must be able to master risk management, expertly segment markets, and build key alliances to effectively manage expectations and exceed consumer demands. The key to enterprise-wide Our highly experienced team of professionals success is new business practices that enable your enables you to improve customer service levels. organisation to divest noncore-competency support HP is the worlds largest third-party loan subservicer, functions and focus on strategic, value-added activities servicing nearly 4 million accounts. that grow the business. HP provides additional financial services to global lending institutions, including card processing, personal loan origination, and insurance administration services. Our global expertise includes delivery of loan processing and servicing, and IT services to U.S., Australian and European lenders.

Key outsourcing considerations


Based on our extensive experience with a wide range of financial services clients, we have identified seven key considerations to support your organisations transformation: FocusIncrease the percentage of time your management team spends on customer acquisition, development, and retention by letting HP handle back-office mortgage functions in alignment with your customer strategy. This gives your in-house resources more time to focus on supporting frontoffice and strategic sales initiatives. FlexibilityBring products to market faster without unnecessary adverse effects on other businesscritical areas. By outsourcing back-office functions, you can more effectively absorb rapidly changing origination and/or remortgaging levels. For example, pricing can be margin-driven, without regard to processing capacity. Balance SheetReduce your organisations noninterest-earning assets, including future applicable IT and property investments. HP continues to make the necessary investments in the mortgage administration system and other relevant technologies, including image and workflow. StaffBusiness transformation can provide your employees with new opportunities to grow. Employees affected by the outsourcing arrangement can either transfer in accordance with applicable employment regulations or be redeployed within your organisation to other critical areas. CostTurn your organisations fixed costs into variable costs. You will benefit financially from our economies of scale. Budgeting future operational and investment costs will be easier and more predictable, because they will be contractually agreed upon.

Customer ServiceEnhance your brand with our dedicated training, focused recruitment, and collaboration. All customer contactwritten and verbalwill be private label, in the name of your organisation. ControlNo one can better manage your business and control its direction than you. But HP can help you achieve your objectives through contractually specified service levels and a dynamic, effective working relationship. For instance, youre encouraged to submit feedback through our web-based Service Excellence Dashboard. Our executives continually receive and act on the feedback to ensure were addressing your needs and concerns.

HPa solid track record of success for clients


Capitalise on HP Credit Services to achieve tangible results. Our solution: Delivers superior returns to clients through a cost-effective, high-value services model Serves the worlds leading companies and governments in more than 60 countries Delivers HP Best Shore capabilities, which enable clients to reduce the cost of applications management by as much as 40% through offshore, nearshore, and inshore service centres and personnel Employs more than 15,000 people globally to support financial services clients

For more information


Go to www.hp.com/enterprise/bpo

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Copyright 2009-2010 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice. The only warranties for HP products and services are set forth in the express warranty statements accompanying such products and services. Nothing herein should be construed as constituting an additional warranty. HP shall not be liable for technical or editorial errors or omissions contained herein. 4AA2-7937ENW, Created August 2009; Updated August 2010, Rev. 3

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