Case Study: Spanish Consumer Finance Company achieves 50%+ revenue growth and expands pre‑approved loan eligibility with Globant's Bluecap Future Finance Studio

How a cross-selling strategy boosted banking profits and led to a business model reinvention

Consumer Finance Company, a leading Spanish consumer finance entity, faced a post‑pandemic slowdown and needed to grow profitably while controlling credit risk. To transform its cross‑selling strategy and meet three goals—to expand the pool of customers offered pre‑approved personal loans, increase offered credit limits, and boost marketing effectiveness—the company engaged Globant’s Bluecap Future Finance Studio.

Globant implemented a two‑phase solution: risk model analysis that built a 360º customer view from internal and external data, micro‑segmentation and targeting, and AI credit‑limit models; followed by business redesign of marketing, pricing, digital journey and operating model for campaign management. In six months this drove a 25% increase in customers eligible for pre‑approved loans, a 50% rise in total loan capacity (from €800M to €1.2B), and revenue growth of more than 50% in the first month (with another ~50% projected) — all without increasing potential future credit losses.