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Credit guarantee business

Provide comprehensive and strong support for the unsecured loan business of regional financial institutions and other tie-up partners

Shinsei Financial offers the guarantee tie-up business for unsecured loan products of our tie-up partners such as regional financial institutions. Our support does not simply end in providing credit guarantees. We offer comprehensive support to all business phases, including supporting the development of new products and making consistent improvement proposals based on the collection and analyses of data.

Competition in the domestic consumer financing service market is intensifying with many competing products.
At the same time, the highest priority is set to consumer protection, which asks credit guarantors to become responsible lenders, as well as consumer financing companies.
Under such circumstances, we provide strong support to our tie-up customers utilizing our know-how developed over long years of experience as consumer financing service professionals so that the products offered by our tie-up partners are used by as many customers as possible.

In addition, we help our tie-up partners reduce their operation burdens and improve operational efficiency. We also strive to offer the latest services to our tie-up partners including the development of new products with a new credit model using AI.

Through the credit guarantee tie-up business, we respond to broader needs of individual customers of regional financial institutions and others and contribute to the regional societies as “a financial service provider for ordinary citizens.”