Creating a Positive
Environment for Our People

Foster a Culture of Respect and Inclusion

We foster a culture of respect and inclusion in various ways including unconscious bias and diversity training, gender diversity tracking, and global cultural appreciation initiatives.

Value Diverse Viewpoints and Experiences

We value diverse viewpoints and experiences, ensuring balanced representation on our Board and in our executive leadership positions.

Professional Growth

We create opportunities for professional growth through competitive remuneration and employee training, surveys and development programs and reinforcement of our pay-for-performance culture to reward and recognize high performers.

Attracting and Retaining Talent

We attract and retain talent by offering competitive pay and benefits such as maternity/paternity leave and backup childcare as well as programs including wellness incentives and tuition reimbursement.

Giving Back to Our Communities

Community Service and Support

We encourage employee community service and support through corporate matching programs, paid time off for volunteering activities, our annual day of giving, company-sponsored volunteer opportunities, and corporate giving and fundraising.

Financial Literacy and Responsible Finance

Our employee volunteers teach financial literacy and responsible finance to students globally and provide holistic support and education to underprivileged children.

Volunteering

Our employees volunteered a collective 25,000 hours in 2019.

Committing to Environmental Sustainability

Our Environmental Footprint

We minimize our environmental footprint through smart resource use and sustainable practices, including recycling programs, plastic-free breakrooms/cafeterias, reduction of water consumption and electricity use, and powering our business with renewable energy where possible.

Responsible Sourcing

We practice responsible sourcing in various areas, for example, using SFI® Certified (Sustainable Forestry Initiative) paper, which is also Elemental Chlorine Free and leverages high-efficiency, low-carbon, and low-water-use manufacturing process.

Reducing Our Carbon Footprint

We partner with our employees to reduce our carbon footprint through car-share incentives, electric car charging ports, and switching from diesel to CNG-run (low CO2 emission levels) ride services for employee transport in India.

Putting Our Consumers First

Consumer-centric Collection Approach

We pride ourselves on a consumer-centric collection approach that focuses on transparency and honesty in our communications and provides robust disclosures, hardship guidelines, credit reporting grace periods, among other things.

Treating Consumers with Respect

We promote a strong culture of treating consumers with respect, which is guided, in the U.S., by our industry-first Consumer Bill of Rights. In Europe, our customer-centric business model focuses on “Helping each and every customer towards financial recovery.”

Consumer-first Policies

We advocate for consumer-first policies with U.S. lawmakers and maintain a strong, open and transparent relationship with our European regulators.

Operating Responsibly

Ethical Practices

We hold ourselves to the highest ethical practices and decision making as guided by our Standards of Business Conduct.

Data Security

We invest in data security and advanced technologies to comply with the General Data Protection Regulation 2016/679 (“GDPR”), Payment Card Industry (PCI) security standards, and earning an ISO 27001:2013 information security management certification. We emphasize the responsibility of each employee through mandatory, ongoing data and information security training.

Supplier and Vendor Integrity

We ensure supplier and vendor integrity through a robust third-party due diligence process.

Regulations and Guidelines

Our Compliance Management System is designed to ensure we follow all rules, regulations and guidelines for our industry. We provide mandatory training on an ongoing basis to educate our employees on compliance standards.

Disaster Recovery and Business Continuity

We invest in disaster recovery and business continuity to ensure we are operationally resilient.

Managing Our Business and Compliance Risks

We proactively manage our business and compliance risks through our dedicated Risk Committee.

Three Lines of Defense

We follow a Three Lines of Defense risk management framework for effective oversight: The first line being the business itself, the second line including corporate legal, risk and compliance and enterprise risk management, and the third being internal audit.