Consumer lending services

EY helps clients drive change in the market to meet present and future consumer needs, minimize risk and manage costs through our experience and industry tested capabilities.

Data-driven, hyper-personalized and digitally enabled interactions continue to drive differentiation in this highly competitive market.  Lenders must become more agile, innovative and resilient across products, channels, data and delivery.

EY has driven transformation at leading consumer lending institutions, helping our clients drive change in the market to meet current and future customer needs, manage costs and minimize risk through our depth of experience and industry tested capabilities:

  • Future back planning: business strategy, target operating model definition and road map, organizational design, business case development
  • Customer experience: research and design strategy, ideation and concept development, end-to-end service design, rapid prototyping, wireframes, UI/UX development, usability testing
  • Operational efficiency: call center operations, process efficiency, intelligent automation, cost optimization, insourcing/outsourcing, third-party selection and integration
  • Data analytics and insights: data strategy and design, data architecture and integration, data governance and controls, customer insights, performance measurement, risk analytics, advanced analytics and artificial intelligence
  • Technology and integration:  technology architecture and infrastructure, platform selection and integration (point of sale, origination, servicing and collections/default), document intelligence, robotics proof of concepts
  • Risk and regulatory: regulatory assessment, controls assessment and remediation, MRA/CO response and remediation, compliance testing

EY execution capabilities are supported by program delivery and working relationships with alliance partners

  • Program execution: governance, program management, agile activation and product delivery, organizational readiness, change management, testing services, implementation
  • Alliances and applications: extensive coalition of global alliances, pre-built assets and services, cross-industry experience and Microsoft Azure scalable technical infrastructure to revolutionize each client’s ability to digitally adapt


EY helps mortgage lenders build and operate a frictionless digital mortgage lending ecosystem across sales, servicing, default and secondary marketing. Each of our leaders brings more than 20 years of experience in the mortgage business to drive our customers’ success.

Auto, captive and equipment finance

EY is a leader in auto, captive and equipment finance and was the first of the Big Four to establish a dedicated practice more than a decade ago. We help our clients create NextGen digital lending ecosystems; pivot to better experiences for dealers, customers and employees; build operating flexibility and excellence; and protect the enterprise by enhancing compliance, risk and fraud capabilities.

Consumer lending

The market for consumer lending is rapidly evolving with ever-changing customer behaviors, regulatory expectations and emerging technologies. We help our clients navigate the complexities of unique lending propositions such as BNPL, embedded finance, personal lending, collateral lending and solar financing, from concept to delivery across strategy and ideation, partnership and vendor assessment, technology architecture, customer experience design and journey mapping, and end-to-end solution delivery.

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