Our Goals and Commitments
ITALCREDI's strategic objectives are grounded in a conviction that consumer lending done well creates genuine value — for borrowers who gain financial flexibility and for the broader economy that benefits from responsible credit circulation. We set ourselves measurable targets across transparency, speed, compliance, and customer experience, and we review our progress against those targets regularly. Our goals are not aspirational slogans; they are operational benchmarks that shape how every team member works each day. We publish our performance against key service standards annually so that clients and partners can hold us accountable. The following areas represent our primary commitments for the years ahead.
Accurate Affordability Assessment
ITALCREDI commits to assessing every applicant's genuine repayment capacity before issuing any credit offer. We use verified income documentation and cross-reference it against declared obligations to ensure the proposed installment is sustainable. Our goal is zero instances of credit extended to borrowers who could not reasonably service the debt.
Full Pre-Contract Disclosure
Every borrower receives a standardised pre-contractual information document that clearly states the total amount of credit, the APR, all fees, and the full repayment schedule before any commitment is made. We will not proceed to signing until the client confirms they have read and understood all material terms. This is a non-negotiable step in our process.
Fair Treatment in Arrears
Should a borrower encounter genuine financial difficulty, ITALCREDI's policy is to engage early with constructive solutions rather than immediately escalating to enforcement. We offer structured forbearance options, temporary payment reductions, and, where appropriate, loan restructuring. Our measure of success in arrears management is sustainable resolution, not speed of collection.
24-Hour Application Decision
We are committed to delivering a binding credit decision within one business day of receiving a complete application with all required documentation. Achieving this consistently requires continuous investment in our assessment workflows and employer verification network. Speed and accuracy are treated as equally important — neither is acceptable without the other.
Digital-First Client Experience
ITALCREDI is investing in a fully digital loan management portal where clients can view their balance, download statements, make early repayment requests, and contact their advisor directly. Our goal is for 90% of routine loan servicing interactions to be completed through digital self-service by the end of our next planning cycle. Human support remains available at every step for clients who need it.
Multilingual and Accessible Support
We recognise that our client base includes individuals for whom the lending process may feel complex or unfamiliar. ITALCREDI's support team is trained to communicate clearly, patiently, and without jargon. Our target is a client satisfaction score above 90% across all loan stages, measured through post-interaction surveys and annual review questionnaires.
Expanding the Employer Network
Salary-linked lending depends on robust relationships with employers and payroll administrators. ITALCREDI's goal is to significantly expand its registered employer network, covering more private-sector companies alongside the existing public-sector base. A larger network means faster verification, broader eligibility, and better rates for borrowers across more industries.
Retail Finance Partnerships
We aim to deepen our retail lending partnerships, integrating ITALCREDI's point-of-sale finance capability with more merchants in sectors including home improvement, healthcare, and professional services. Each partnership is governed by a conduct framework ensuring that retail credit is offered fairly and that consumers are never pressured into unsuitable products.
Sustainable Portfolio Growth
ITALCREDI targets loan book growth that is proportionate to our operational capacity and risk management infrastructure. We will not pursue volume at the expense of portfolio quality. Our objective is a performing loan ratio that consistently meets or exceeds the benchmarks set by applicable regulatory guidance.