Investor Presentaiton
Extensive servicing resources
Branch
Current
Days Past Due
People
& places
Roles & responsibilities
Delinquency Timeline
Centralized
1 payment past due
1-29
2 payments past due
30-59
3-6 payments past due
60-179
Charge-off
Recovery
180+
# of locations
# of team members
Initial contact
Branch/RCC
~1,400
~5,700
Underwriting/decisioning
Verification & loan closing
Central Operations
Impact
6
-1,800
High-touch customer engagement
Superior credit performance
Servicing/collections
Early-stage
delinquency
Late-stage delinquency,
charge-off and recovery
Local relationships
Higher customer life-time value
Vast majority of servicing is done in-house¹, on-shore; critical to controlling servicing capacity during economic downturn.
We can double collections capacity by shifting 1,000+ team members within a very short time frame.
Note: Data as of June 30, 2023.
OneMain Financial.
1. Does not include credit card or point of sale. Utilize service and collections vendors to augment central staffing.
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