Strong Market Leadership Cetelem is the market leader in Portugal for personal credit, serving over 1.1 million clients and maintaining a solid position in the financial services industry, which presents opportunities for tailored financial products and partnerships.

Robust Tech Infrastructure Utilizing advanced technologies such as Amazon Web Services and Cloudflare indicates a strong digital presence and infrastructure, paving the way for upselling cloud-based solutions or cybersecurity enhancements.

Expansive Customer Base With a large customer base and extensive network of 5,000 partners, there is significant potential to develop cross-selling campaigns, new credit products, or partner integrations to increase wallet share.

Growth Opportunities Operating across 30 countries and four continents suggests opportunities to expand or replicate successful financial products in new markets, especially in regions with emerging consumer credit demands.

Large Employee Network Employing over 6,500 staff locally and globally indicates potential for enterprise software solutions, employee engagement tools, or training platforms to optimize workforce productivity.