We selectively acquire and originate high-quality pools of consumer loans, to offer investors compelling risk-adjusted returns compared to more established areas of private debt.
This emergent sector of private credit involves highly diversified loan portfolios, which can include residential mortgages, credit cards, auto loans, student loans and unsecured consumer loans.
Consumer finance exposure can add diversification as well as attractive returns to a portfolio. These portfolios, one of the largest and most diverse loan asset classes in Europe, have shown resilient performance through economic cycles.
Against a backdrop of improving household finances in Europe, margins on consumer loans have remained attractive and stable in comparison with corporate and public sector lending.
Our market presence, scale, experience, and expertise enable us to identify opportunities and conduct thorough due diligence, as well as creatively structure attractive risk-reward investment profiles.