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Loan management system that supports other businesses
In addition to our credit investigation expertise, one other strength of SMBC Consumer Finance is our loan management expertise,
which support other businesses. Loan management services are provided by our Loan Administration Center and our subsidiary Abilio Servicer,
and these two work together to build the best possible loan management system.
The Loan Administration Center offers various kinds of guidance and consultation services for repayment to customers (such as the management and collection of long-overdue loans in the Financing Business, reimbursement claims in the Loan Guarantee Business, and the handling of customers’ claims for repayment of settled interests and legal advice). Harnessing our expertise cultivated in loan management operations, we established counselling centers at three sites in Tokyo, Osaka and Fukuoka in April 2018, thus building a consultation system specializing in repayment consultations that is close to our customers. Our counselling centers are working to promote customer support, offering a new dedicated number for repayment counselling as a means by which customers can consult employees with specialist knowledge about repayments. By talking to customers about repayment concerns directly on the phone, employees are able to gain an understanding of customers’ circumstances and needs and to offer proposals and advice for solutions. By promoting customer support, we are seeking to provide “genuine repayment consultations” and to inspire in our customers the utmost confidence.
Abilio Servicer undertakes the servicer business of managing and collecting loans on the behalf of financial institutions by accepting on trust and purchasing small and large loans from financial institutions across the country. With an extensive network of five operating bases across Japan, Abilio Servicer is expanding its business activities by providing services to more than 2,100 financial institutions, which consist primarily of banks and credit unions.
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