Consumer credit team

The UK consumer credit market continues to grow at a rapid rate. With an increasing regulatory spotlight and fierce competition amongst financial institutions, the market is undergoing a period of change, demanding participants to be more competitive and innovative.

The Market & Value Advisory team of PricewaterhouseCoopers is a leading adviser in the UK consumer credit market. We offer a unique perspective derived from working with all types of market participants, including major banks, card issuers, retailers and other non-financial institutions, specialist lenders and brokers.

The team has extensive experience advising and assisting clients with:

• Transaction & investment decisions
• Market analyses
• Strategy and business plans
• Partnership strategies
• Contract negotiations
• Valuations

Financial Institutions

We can help you to maximise the returns being generated by your consumer credit operations by devising strategies that deliver profitable growth, either organically or through acquisitions and joint ventures. By drawing on our industry expertise, we conduct market and valuation analysis to help you choose the best strategy when considering an investment.

We provide real insight into your investment decisions, highlighting the trade-offs between risk and reward.

Retailers and other non-financial institutions

We work with you to identify how to increase the direct and indirect benefits you receive from your financial services activities, by providing you with a clear and unambiguous evaluation of your options.

For example, we can advise on products to be offered, potential partners and the structure of any relationship aiming to ensure that the financial services proposition is consistent with your organisation's core business strategy.

What our clients say

"It is clear that PwC have considerable experience and contacts within the UK partnership consumer finance market…In addition, they are able to inform the process as to the selection of the most appropriate supplier. partner, structure and added value benefits to apply to potential deals. We value their input to our business".
Richard Davies, M&A Director, BarclayCard

"Overall, from engagement to understanding requirements to final debrief, the PwC team were of a high calibre and demonstrated a high degree of expertise in the credit card sector. The outputs have been very valuable to our survey".
Peter Waugh, Head of Loyalty - Customer Marketing, BSkyB

"...The team clearly has a detailed understanding of the market and the key issues that retailers currently face... in our view, PwC Valuation & Strategy are currently the leading advisors in the retailer consumer finance market".
Craig Murray, Managing Director, Clydesdale Financial Services