Consumer finance

Gain the confidence that comes from an efficient, agile approach to the ever-changing lending environment.

How we help you accelerate

Disruption is the only norm in today’s consumer finance landscape. From new digital market entrants to evolving customer experience expectations, companies looking to maintain competitive advantage must move beyond responding to market shifts, into harnessing their power toward more efficient, innovative and agile operations.

PwC’s Consumer Finance group brings the insight of 2,000 global experts together with leading-edge technology to solve your most critical issues, so you can focus on defining the future, faster. Through our audit and advisory services, we cover the full spectrum of consumer lending asset classes – helping you turn changing trends and threats into the confidence that comes from an efficient, agile approach to the ever-changing lending environment.

Consumer finance solutions

Home lending

The near future for mortgage lending is both predictable and unpredictable. Forecasts suggest that volumes will remain flat as a result of the expected rise in rates, lack of refinance motivation and strength of underwriting. Production and servicing margins are being squeezed by economics as well as regulatory requirements. Companies are evaluating strategies to gain a competitive advantage in a highly commoditized market.

How are you managing the sustainability of your profit margins? Where do you plan to shrink or grow your channels, technology investment, geographical footprint and product set? Are you evaluating your two- and five-year strategic plans?

Our team is focused on helping you develop and execute strategic initiatives to compete in the market. Learn how our home lending services span strategy, risk, compliance, finance, operations and technology.

Auto finance

The pace of change continues to accelerate in the auto finance industry. Oversight from regulators, emerging risks, market share shifts and advancements in technology all indicate a continuation of this trend for the foreseeable future.

Learn more about our auto finance services and how our team routinely addresses client challenges with innovative solutions.

Student lending and higher ed

Student lending in the United States has topped $1.2 trillion in outstanding debt. The cost of education continues to outpace inflation and federal default rates have reached double digits. These market dynamics, comprehensive education finance reform and increased scrutiny from the CFPB have forced each member of the student loan value chain to rethink many aspects of their existing operating models.

Are you and your company ahead of the curve?

Learn more about our student lending and higher education services and how our team works with clients throughout the loan life cycle to develop solutions to their complex business challenges.

Marketplace lending and consumer loans

Growth continues to explode as borrower acquisition makes it challenging to keep up with investor demand. The number of platforms across asset classes is leading to increased specialization and requires platforms to more clearly define their value proposition.

Are you evaluating your platforms for scalability? Where are you expanding next? Who are you partnering with?

Learn more about our marketplace lending services and how our team works with clients as they grow, scale and expand. Our services helps clients identify their next strategic steps in products, operations and technology.

Credit cards

Credit cards, a key vehicle for consumer spending, have experienced steady growth in purchase volume and outstanding balances since 2010. Despite this, credit card companies are facing some of their toughest challenges.

How are you contending with increased regulation and growing competition? How can you manage non-traditional players disrupting established order? What is your game plan for demanding, savvy customers?

Learn more about our credit cards services and how our team is focused on helping companies drive long-term value in the areas of strategy, customer experience (CX), operational processes, technology, risk management and regulatory compliance.


With margins at risk across the lending spectrum, understanding your business through data and analytics is more important than ever. Better data inputs and better data access are the cornerstones of smarter analytics and decision making.

Our surveillance offerings can help you perform internal and external benchmarking, advance the maturity of data models, design and implement stronger analytical capabilities, and design or host business intelligence dashboards for management use.

Publications and thought leadership

The speed of change in consumer lending continues to accelerate. Given the rapid pace of transformation, it is more critical than ever to stay “tuned in” to current events that are driving the industry. Our team continuously monitors the key drivers impacting the industry – from new regulatory guidance and market risks to changing customer expectations and new technology-driven opportunities.

We publish thought leadership and news alerts throughout the year as market conditions change and new “hot topics” become top of mind for leaders across the industry. Our analysis is intended to be timely, relevant, and most importantly actionable, delivering crucial insights to help you guide your business strategy, improve performance of key operational functions, and manage risk. We are focused both in the “here and now” of what you should be doing today, and on the emerging future of what you need to be preparing for tomorrow.

We are happy to share these insights with you – and provide even more in-depth analysis for our clients. Read our most recent publications, or contact our team to set up a personalized discussion about your specific needs.

About the consumer finance group

Our group is composed of over 140 professionals across the country. We offer audit and advisory services covering the full spectrum of consumer lending asset classes, including mortgage, auto finance, student lending, credit card, and unsecured consumer, as well as small business lending. Our team also has specialists in each stage of the end-to-end loan lifecycle across asset classes, including originations, servicing, collections, and capital markets.

Focused on consumer lending, we’re at the forefront of the industry, working with clients to anticipate, understand and resolve emerging issues. We regularly publish thought leadership, speak at industry conferences and execute benchmarking studies to share our perspectives. Our goal is to help clients like you think differently about the issues being faced in the ever-changing lending environment.

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PwC on marketplace lending: How the customer experience is evolving with FinTech

Roberto Hernandez explains the story of how marketplace lending is a lot like the film industry in the way customer experience is changing. FinTech is making the process faster and more affordable, enabling third-parties to enter the arena.


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Peter Pollini

Financial Services Industry Leader, PwC US

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