Grupo Ouro Cred

What Grupo Ouro Cred does

Grupo Ouro Cred is a privately held Brazilian financial services company founded in 2007 and headquartered in Guarulhos, São Paulo. It operates as a banking correspondent (correspondente bancário) for 15+ major Brazilian private banks — including Safra, BMG, Bradesco, Itaú, Daycoval, Cetelem, Mercantil, Intermedium, Banrisul, CCB Brasil, BV Financeira, Pan, and Golden — distributing consigned credit (crédito consignado) products whose installments are deducted directly from the borrower's payroll or INSS benefit. The company targets INSS retirees and pensionists as its primary segment, with private-sector employees with payroll-deduction agreements as a second primary segment and public servants as a secondary segment.

Its core product is the Empréstimo Consignado, supported by a web-based online credit simulation tool, WhatsApp and phone-based customer service, an educational blog, and active social media channels. The portfolio has expanded beyond core consignado loans into refinancing, portability, FGTS-backed loans, consigned credit cards, insurance representation, and consortium services. In 2020 the company launched Ouro Cred Digital (OCD), a wholly-owned digital subsidiary providing online simulation and application processing. Pricing is not controlled by Grupo Ouro Cred; interest rates are set by the bank partners within the regulatory caps of Lei 14.131/21 (maximum 1.80% per month for INSS retirees/pensionists and 2.70% for consigned credit cards), and revenue is generated through transaction commissions on originated loans and affiliate/ referral fees on insurance and consortium sales.

Name

Grupo Ouro Cred

Legal name

Grupo Ouro Cred

Website

https://grupoourocred.com.br

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

Grupo Ouro Cred is a Brazilian banking correspondent, founded in 2007 in Guarulhos, distributing consigned credit, insurance, and consortium products from 15+ major banks to INSS retirees, pensionists, and payroll-deduction employees across Brazil.

Ownership category

akta.pro rank

Headquarters

HQ city

Guarulhos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Banking Correspondent Commissions: As a banking correspondent for major Brazilian banks, Grupo Ouro Cred earns commissions on each consigned loan originated through their channel. They work with 15+ bank partners including Safra, BMG, Bradesco, Itaú, and others.
2. Insurance Representation: Acts as a representative for major insurance companies, earning commissions on insurance policies sold to loan customers.
3. Consortium Services: Offers various consortium modalities to customers, earning referral or participation fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Grupo Ouro Cred is a Brazilian banking correspondent (correspondente bancário) founded in 2007 in Guarulhos, São Paulo, that brokers payroll-deduction personal loans (crédito consignado) and related consumer credit products. It works with a network of more than 15 Brazilian banks (including Safra, BMG, Bradesco, and Itaú) to originate consignado loans for INSS retirees/pensioners, public servants, and private-sector employees. Complementary offerings include insurance brokerage and consortium (consórcio) services, distributed through its digital channel Ouro Cred Digital and partner network.

Product overview

Grupo Ouro Cred is a financial solutions company operating as a correspondent bank for Brazil's largest private banks, founded in 2007 in Guarulhos, São Paulo. The company's core offering is the Empréstimo Consignado (consigned credit), a loan product where repayments are automatically deducted from the borrower's payroll or INSS benefit. The product portfolio centers on Crédito Consignado para Aposentados e Pensionistas do INSS as the primary offering, complemented by Empréstimo Consignado Privado for private-sector employees. Additional credit sub-products include Empréstimo com Garantia do FGTS (FGTS-guaranteed loan), Refinanciamento (refinancing), Portabilidade (balance transfers), and Empréstimo para Negativado (credit for negative-record borrowers). The company also offers Cartão de Crédito Consignado (consigned credit card), insurance products (Seguros), and consortium plans (Consórcios), all facilitated through partnerships with major banks including Safra, BMG, Bradesco, Itaú, Daycoval, Cetelem, Mercantil, Pan, and BV Financeira. Digital access is provided via the Ouro Cred Digital platform and an online loan simulation tool.

Differentiator

Problem solved

Functional benefit

Brands

• Ouro Cred Digital: Digital-focused subsidiary company offering online financial solutions

Quantifiable outcome

• Doubled partner revenue through innovative actions and quality service

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

15 partnerships are on record, tiered core.

• Banco SafracoreChannel Partner/ Reseller/ DistributorMajor Brazilian private bank partner in Grupo Ouro Cred's correspondent banking network. Offers consigned credit products to customers through the company's distribution channel.
• Banco BMGcoreChannel Partner/ Reseller/ DistributorBanking partner specializing in consigned credit for retirees and pensionists. One of the key lenders in the company's product portfolio.
• Banco BradescocoreChannel Partner/ Reseller/ DistributorOne of Brazil's largest private banks, providing consigned loan products through the company's correspondent banking channel.
• Banco ItaúcoreChannel Partner/ Reseller/ DistributorMajor Brazilian banking institution partnered with Grupo Ouro Cred to offer consigned credit through the correspondent network.
• Banco DaycovalcoreChannel Partner/ Reseller/ DistributorBanking partner offering consigned credit products via the company's distribution network for retirees and pensioners.
• Banco CetelemcoreChannel Partner/ Reseller/ DistributorFinancial institution partner specialized in consigned loans, operating through the company's banking correspondent services.
• Banco MercantilcoreChannel Partner/ Reseller/ DistributorBanking partner in the correspondent network offering consigned credit solutions to eligible customers.
• Banco IntermediumcoreChannel Partner/ Reseller/ DistributorDigital-focused bank partner providing online consigned credit products through the company's channels.
• Banco BanrisulcoreChannel Partner/ Reseller/ DistributorRio Grande do Sul state bank partner in the correspondent banking network for consigned loans.
• CCB Brasil (Brasil Capital)coreChannel Partner/ Reseller/ DistributorBanking partner providing consigned credit products through the company's correspondent banking services.
• BV FinanceiracoreChannel Partner/ Reseller/ DistributorFinancial services company offering consigned loans through the company's distribution network.
• Banco PancoreChannel Partner/ Reseller/ DistributorBanking partner in the correspondent network specializing in credit for the underserved market including retirees.
• Banco GoldencoreChannel Partner/ Reseller/ DistributorBanking partner offering consigned credit products to retirees and pensionists through the company's channel.
• Golden SeguroscoreChannel Partner/ Reseller/ DistributorInsurance company partner for insurance products offered alongside loans to customers.
• Ouro Cred DigitalcoreChannel Partner/ Reseller/ DistributorDigital subsidiary company (OCD) of Grupo Ouro Cred focused on online/digital-first consigned credit services.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Banco Pan: Brazilian bank partner that specializes in credit for the underserved and retiree market, including consigned loans. Like BMG, Banco Pan serves as both a channel partner for Grupo Ouro Cred's correspondents and a direct originator competing for the same INSS beneficiary borrower.
• Crefisa: Brazilian consumer lender historically focused on payroll-deducted credit to INSS retirees and public servants — the same primary customer segment Grupo Ouro Cred serves through its bank partners. Both companies compete for the same end borrower with similar consigned credit products, making Crefisa a direct functional competitor even though it holds its own lending license.
• Banco Cetelem (Brazil): Brazilian consumer finance arm specialized in consigned credit, operating both its own channels and through banking correspondents like Grupo Ouro Cred. Direct functional competitor in consigned credit origination for INSS retirees and public-sector employees.
• BomPraCrédito: Brazilian loan comparison marketplace that aggregates offers from multiple banks for consumers seeking personal, payroll, and consigned credit. Operates the same aggregation intermediary model as Grupo Ouro Cred but with national digital reach and broader loan categories, serving as the closest structural analog to the correspondent-bank business model.
• Banco Daycoval: Brazilian commercial bank partner in Grupo Ouro Cred's correspondent network, offering consigned credit products through the channel. Operates direct-to-consumer consigned origination alongside its correspondent relationships, making it both partner and competitor for the same product and customer.
• Banco BMG: One of Grupo Ouro Cred's core banking partners and the Brazilian bank most specialized in consigned credit for INSS retirees. BMG operates both its own direct-to-consumer origination and a banking correspondent network, making it simultaneously a partner, supplier, and direct competitor for the same retiree borrower pool.

Emerging players

• Geru: Brazilian online consumer lender targeting salaried borrowers with personal loan products. While not specifically focused on INSS retirees or consigned credit, Geru competes for adjacent Brazilian consumer credit demand through a fully digital channel, representing the emerging digital-native competitive threat to traditional correspondents.

Broad incumbents

• Banco Itaú: One of the largest Brazilian banks and a core partner for Grupo Ouro Cred's correspondent operations. Itaú's own digital consigned origination platform competes directly with the company's offering, while its partnership provides distribution volume — a classic incumbent dynamic.
• Banco Bradesco: One of Brazil's largest private banks and a strategic correspondent partner for Grupo Ouro Cred. Bradesco operates a national branch network and direct digital consigned origination, making it both a supplier of product through the correspondent channel and a competitor for the same INSS beneficiary customer.
• Creditas: Brazilian consumer lending platform that, while focused on secured lending (home, auto, payroll), operates a much larger digital origination channel and serves overlapping Brazilian consumer credit demand. Comparable as a larger incumbent fintech in the broader Brazilian consumer credit intermediation category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/grupoourocred
• YouTubeyoutube.com/channel/UClroQPFWMQwCIu0YMPhBhbA
• Facebookfacebook.com/grupoourocred
• LinkedInlinkedin.com/company/grupo-ouro-cred
• Instagraminstagram.com/grupoourocred_
• Pinterestbr.pinterest.com/grupoourocred

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Grupo Ouro Cred