VPCS assists entities who desire to offer consumer loan products to consumers. Our service offerings complement their lending objectives with a broad spectrum of credit related financial services expertise. This includes bank relationship management, financial and risk oriented compliance, consumer loan program management, optimal operational workflows and risk management. Our services include:

• Loan issuance
• Finding sponsor banks
• Finding service providers (processors and servicers)
• Regulatory and compliance services
• Program operations and business continuity
• Streamlined reporting and analytics
• Strategy advising and operational assessments
• Custom modeling and valuations
• Regulatory monitoring and analytics

Consumer Loan Programs

Compliance Risk
monitors triggers (early warning indicators)

Operational Risk
avoids unnecessary losses

Credit Risk
ensures proper reserve controls