Loan grantings

Lean and consumer loan granting: 100% in time every time

Operational results obtained after 13 weeks, and one year later

Economic gain: 255,000 euros

Context

The new shareholder of a consumer credit company proposed a really ambitious industrial plan consisting of reducing operational costs by 100 million € and multiplying profitability by 4 in 3 years. The company chose to deploy lean within their core business process to ensure high return on investment in a very short period of time.

Coaching structures

The pilot project was led by 1 Operae coach who also trained 2 project leaders, 1 team leader and 10 operators.

Examples of lean actions implemented

Problem solving was performed on 3 axes:

Quality:

  • Facilitate the credit approval process to avoid the “stop and go” phenomenon
  • Improve the quality and completeness of incoming credit dossiers

Lead Time :

  • Organization of the stock based on the age of dossiers
  • Problem solving on pending files

Productivity:

  • Standardization of the file handling process and training of the agents
  • Agent workload leveling

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