Using the decision-making solution of TransUnion, a global information solutions company, for 11 years, Banco Yamaha has managed to automate its systems in 72%, offering its customers more agility, security and flexibility based on statistical models, with reduced time. response time from one hour to five minutes.
In the first quarter of 2019 alone, R$ 34 billion was released for car and motorcycle financing by carmakers 'banks, according to the National Association of Carmakers' Financial Companies (Anef), growing 18.6% over the same period in 2018. The survey reinforces the tendency of the automotive market to invest and implement solutions in order to build customer loyalty and improve their consumer experience.
Challenges
Seeking a solution that would allow its analysts to offer agility and security in closing new businesses and consulting a more complete decision tree, the challenge of Banco Yamaha was to find a way to structure the company's credit policy in line with management risk. And to think, in addition to security and volume, on the consumer's credit trajectory. With this, it would be feasible to automate credit granting decisions, as well as to segment requests that require a thorough analysis and the involvement of other sectors of the bank.
According to Valmir Marconi, Credit Manager of Yamaha Serviços Financeiros, TransUnion's advisory assistance, combined with customer service expertise, contributed to the main challenges being dealt with in an agile and effective manner. “Much more than a long-standing partnership, with constant collaboration to build credit analysis and scoring processes, TransUnion allows us to use intelligence and data to continue looking for business developments. In addition, the company has a different treatment with its own customers that values us beyond the commercial aspect ”, he comments.
Solution
Through the use of TransUnion's CrivoSM platform, the bank was able to cross all the data already existing at Yamaha with that offered by TransUnion, improving its credit scores based on the unique characteristics of the automaker bank market, existing customers and customers. prospects. The streamlining of processes simplified the daily lives of employees and streamlined manual operations, resulting in more assertive decision-making, minimized risks and enabling greater profitability for the business.
“As the Brazilian market develops, it is necessary for companies to pay more and more attention to the needs of customers and prospects. In this process, it is important to be careful to analyze all the information available in your database, allowing it to cross it with market data in an innovative way. Using information, analysis and decision solutions in their internal processes, these companies become even more competitive and their offerings broader. Accompanied by this expansion of vision and business comes inclusion, with a greater number of people accessing goods and services ”, comments Marcelo Sena, Commercial Director and Chief Revenue Officer (CRO) at TransUnion.
About TransUnion
With the purpose of Increasing the Quality of Life of People, TransUnion seeks to offer automatic and online accesses, benefiting companies with the use of technology at the service of the population, in addition to offering to Brazilians and also to the inhabitants of more than 30 new countries credit opportunities for the acquisition of goods. Like all company solutions in Brazil, Crivo works on a scalable and easily integrated platform, allowing the centralization of strategies and risk management, bringing consistencies and usability to the decision-making routine.
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