Delivering a simple and reliable customer experience
Across Europe, our Operations team works closely with our customers, whatever their needs may be: financing, cashback, or everyday banking.
The team supports credit applications and makes lending decisions, ensures the smooth execution of payments and daily banking transactions, prevents fraud and money laundering risks, and oversees the day-to-day running of our operations.
An organization combining customer proximity and operational excellence
To support the entire customer journey across credit, cashback, and everyday banking, and to ensure the smooth operation of our business, the Operations team is organized into five areas: Customer Service, Collections, Underwriting, Anti-Fraud & Anti-Money Laundering, and Quality & Training.
The Customer Service team supports customers throughout their journey, answering questions and assisting them from onboarding through the day-to-day use of our products.
The Collections team steps in when customers experience payment difficulties. It works with them to find appropriate solutions while managing and monitoring overdue situations.
When a financing request is submitted, the Underwriting team reviews the application and makes the most appropriate decision. Its role is to strike the right balance between access to financing, customer protection, and risk management.
At the same time, the Anti-Fraud & Anti-Money Laundering team identifies and prevents risky behaviors and transactions across both lending and everyday banking activities. In doing so, it helps protect our customers, partners, and Younited.
Finally, the Quality & Training team supports the continuous development of operational teams across all our offerings, improves procedures, and ensures high standards of service quality, operational excellence, and customer experience.