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.

Our latest thinking

How pursuing GenAI can transform mortgage lending

By applying GenAI innovations across the lifecycle, mortgage lenders can gain a strategic advantage. Learn more.

How can financial institutions modernize their fair-lending practices?

FIs that disregard fair banking are lagging behind FIs that enhance compliance procedures, lending models and data analytics to become more compliant. Read more.

Modernize your mortgage lending platform

Banks that undergo lending platform modernization can provide customers mobile-accessed, data-driven, digital, holistic mortgage borrowing experiences. Read more.

A turning point for the US automotive financing sector

The lack of granular data into the auto lending market hampers the ability of lenders, market participants and regulators to identify and respond to risks.

Evaluating servicing models in the face of industry headwinds

Mortgage servicers re-evaluate their operating models, including in-house servicing, subservicing and hybrid or component servicing. Read more.

Which consumer lending strategies can FIs use to drive growth?

Financial institutions (FIs) are moving from single P&L-centric lending models to holistic ecosystem strategies centered on customer needs.

Mortgage lending reaches an inflection point

Know more about how mortgage lenders’ need to harness their data and leverage innovative technologies to deliver an efficient and personalized home buying experience.

Dan Thain + 1

    The team

    Maurice Berbel

    Principal, Banking and Capital Markets, Strategy and Business Transformation Consulting, Ernst & Young LLP
    Over 15 years’ experience in banking. Proficient in consumer banking, default management, business process improvement, and business transformation.
    Dallas, USA

    Steve Reiter

    Managing Director, Consumer Banking Consulting Leader, Ernst & Young LLP US
    Large scale consumer banking modernization and transformation with a focus on banking models and technologies. Passionate about veterans and children’s rights and charities
    Dallas, USA

    Aditya Swaminathan

    EY Americas Consumer Lending and Mortgage Leader
    Trusted senior advisor to multiple global banking and lending C-suite executives. Heavily invested in people development. Board member for organization supporting families who have lost a child.
    San Francisco, USA

    Katie Johar

    Principal, Americas Captive, Equipment, and Automotive Finance Industry Market Leader, Ernst & Young LLP
    Americas Captive, Equipment, and Automotive Finance Market Leader: helping clients adopt modern strategies, technologies and methods across all aspects of transformation – strategy to execution.
    Charlotte, USA

    Dan Thain

    EY Americas Consumer Lending Leader, Principal, Financial Services Business Consulting, Ernst & Young LLP
    Collaborating with consumer lending leaders to drive innovation, grow their businesses and find solutions to solve key challenges. Enjoys traveling, the outdoors and sports. Married with two children.
    Charlotte, USA

    Kimberly Neff

    EY Americas Financial Services Business Transformation Client Service Principal, Dallas FSO Consulting Managing Principal, Ernst & Young LLP
    Strategic change is my passion. Enjoys watching our three kids’ sports games and all things outdoors, especially skiing. Active in the Dallas/Plano community.
    Dallas, USA

    Jason Martin

    Principal, Banking and Capital Markets, Business Consulting, Ernst & Young LLP US
    Veteran of the Financial Services industry, with over 20 years of experience in Consumer Banking as part of large financial institutions and consulting firms
    Charlotte, USA

    Chad Vuckovich

    EY US Banking and Capital Markets Consumer Technology Leader
    Banking and capital markets technology; focusing on strategic planning; business transformation and technology modernization
    Pittsburgh, USA

    M. Bradley Wallace

    EY Digital Consulting; Principal, Ernst & Young LLP
    Recognized leader in consumer banking, digital transformation, banking technology, innovation, and FinTech.
    Charlotte, USA

    Raja Bose

    Managing Director, Banking and Capital Markets, Business Transformation Consulting, Ernst & Young LLP
    Transformation leader based in Charlotte with over 25 years of experience developing and executing strategies for consumer banks helping them to improve profitability and to serve customers better.
    Charlotte, USA
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