Santander Consumer Finance Global Services

What Santander Consumer Finance Global Services does

Santander Consumer Finance Global Services (SCFGS), founded in 2017, is a wholly-owned captive subsidiary of Grupo Santander headquartered in Boadilla del Monte, Madrid. It operates exclusively as the principal technology, solutions, and process services provider for Santander Consumer Finance (SCF), the group's consumer finance division operating across 17 countries with 17 million customers and 130,000 points of sale. SCFGS delivers its services directly to internal SCF business units through dedicated account teams and coordinated project engagements, with no external commercial customers.

The company's service portfolio is structured around three pillars: Sistemas e Infraestructura (architecture design, hybrid on-premise and public/private cloud infrastructure management, deployment automation, monitoring, and change control); Desarrollo y Mantenimiento de Aplicaciones (custom application development, integration, and maintenance using Design Thinking and Agile methodologies); and Servicios de Negocio (pre- and post-development support, business-as-usual functional support, PMO, and methodological support). Its underlying technology stack combines hybrid cloud infrastructure, Kubernetes-based container orchestration, a centralized Data Analytics Platform (Datalab), an MLOps cloud platform for end-to-end model lifecycle management, and a Chaos Engineering Framework using Chaos Toolkit for resilience testing across Kubernetes and AWS RDS environments.

SCFGS generates revenue through a single managed-services stream delivered internally to SCF under captive contractual arrangements. As a wholly-owned subsidiary of Grupo Santander with no external clients, no disclosed pricing, and no external distribution channels, all revenue flows within the parent group's ecosystem. The firm employs approximately 237 professionals and publishes thought-leadership content on AI, cloud, big data, chaos engineering, and emerging technologies relevant to consumer finance.

Name

Santander Consumer Finance Global Services

Legal name

SANTANDER CONSUMER FINANCE GLOBAL SERVICES, S.L.

Website

https://santanderconsumergs.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

SCFGS is a wholly-owned captive technology and operations services subsidiary of Grupo Santander, delivering infrastructure, application development, and business services exclusively to Santander Consumer Finance across 17 countries.

Ownership category

akta.pro rank

Headquarters

HQ city

Boadilla del Monte

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Infrastructure, Operations

Revenue model

1. Technology and Operations Services: SCFGS generates revenue by providing technology infrastructure services (cloud and On-premise), application development and maintenance, and business process services exclusively to Santander Consumer Finance. Revenue flows internally within the Grupo Santander ecosystem as a captive services entity.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Santander Consumer Finance Global Services (SCFGS) is a captive technology and operations services provider for Santander Consumer Finance (SCF), the consumer finance division of Grupo Santander. It delivers integrated infrastructure management (on-premise and hybrid cloud), application development and maintenance, and business consulting services exclusively to SCF across 17 countries, leveraging proprietary platforms for analytics, MLOps, and chaos engineering.

Product overview

Santander Consumer Finance Global Services (SCFGS) is a technology and operations services provider, not a product company. It offers an integrated portfolio of three main service categories: (1) Sistemas e Infraestructura covering architecture and cloud/on-premise infrastructure management, (2) Desarrollo y Mantenimiento de Aplicaciones covering application development, integration, and maintenance, and (3) Servicios de Negocio covering business consulting, PMO, and methodological support. SCFGS was established in 2017 as a subsidiary of Grupo Santander serving the consumer finance division (SCF) across 17 countries, leveraging over 20 years of technological expertise.

Differentiator

Problem solved

Functional benefit

Products and services

• Sistemas e Infraestructura (Systems and Infrastructure) Architecture design of common platforms, on-premise and public/private cloud infrastructure management, automation of software deployment and management, asset management, quality plan tracking, change control, process improvements, and monitoring delivered to Santander Consumer Finance across 17 countries.
• Desarrollo y Mantenimiento de Aplicaciones (Application Development and Maintenance) Custom solution design, software definition, development, implementation, integration, and ongoing maintenance of applications using Design Thinking and Agile methodologies, delivered to Santander Consumer Finance business units.
• Servicios de Negocio (Business Services) Business consulting services including pre-development and post-development support, business-as-usual functional support, project management office (PMO) delivery, and methodological support for Agile and Design Thinking practices across the consumer finance division.

Quantifiable outcome

• Consumer finance is one of the largest contributors to Grupo Santander's profits

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered minor.

• Fundación El Salvador RugbyminorOthersSCFGS provided monetary support to the Foundation for inclusive rugby activities. The Foundation promotes rugby among youth through its Club de Rugby El Salvador team and supports athletes with disabilities in Valladolid. SCFGS aligns with this initiative as part of its commitment to inclusive sports and healthy lifestyles.
• Fundación Pequeños PasosminorOthersSCFGS contributed 4,000 euros from its Christmas Cup budget to the Family Meals project, an initiative by Fundación Pequeños Pasos and Renaissance Executive Forums. The project aimed to feed 600 families in Madrid districts affected by COVID-19. The Foundation, established in 1940, supports people with disabilities and elderly or impoverished individuals.
• Cruz Roja EspañolaminorOthersSantander Consumer Finance and Openbank joined Cruz Roja Española's humanitarian aid efforts for Ukraine, contributing 1 million euros along with employee donations exceeding 5,000 euros. Support was directed to the International Red Cross and Red Crescent Movement for assistance in Ukraine and neighboring countries, and for Ukrainian-origin individuals in vulnerable situations in Spain.
• CRIS contra el cáncerminorOthersSCFGS participated in a Christmas donation campaign alongside SCF and SCF España, contributing to CRIS contra el cáncer's cancer research efforts. CRIS has established its own alternative treatment unit at Hospital Clínico San Carlos in Madrid for patients who no longer respond to conventional treatments.
• Cooperación InternacionalminorOthersSCFGS participated in a food donation initiative organized during a pádel tournament for employees of Santander Consumer Finance, SCF España, and SCFGS. Over 120 kg of non-perishable foods were collected for Getafe delegation of Cruz Roja.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Capgemini: Global IT services and consulting firm with a strong dedicated Financial Services practice serving European banks and consumer finance businesses. Comparable to SCFGS in providing application development, infrastructure services, and business transformation for financial institutions, though at vastly greater scale and across external clients.
• Wipro: Global IT services firm with a Financial Services business unit providing banking technology, consumer lending platforms, and digital transformation services. Comparable to SCFGS in core application development and infrastructure service delivery for financial institutions.
• Accenture: Largest global IT services firm with a dedicated Financial Services group that delivers technology transformation, cloud migration, and application services to banks and consumer lenders worldwide. Comparable in core function (custom application development, infrastructure, business process services for financial services clients) but operates at enterprise scale across external commercial customers.
• Infosys: Global IT services firm with a dedicated Financial Services practice serving banks, lenders, and consumer finance businesses with application development, cloud, and digital transformation services. Directly comparable functional scope to SCFGS in technology and operations services for financial institutions.
• Cognizant: Global IT services firm with a Financial Services segment focused on banking, lending, and consumer finance technology services. Comparable to SCFGS in delivering application development, cloud/infrastructure services, and digital transformation programs to financial institutions.
• TCS (Tata Consultancy Services): Global IT services and consulting firm with a dedicated Banking, Financial Services, and Insurance practice that provides application development, infrastructure management, and digital transformation for banks globally. Highly comparable function to SCFGS, particularly for European banking captive-style engagements.

Direct peers

• Globant: Global IT services firm with a dedicated Banking & Financial Services practice delivering digital transformation, application development, and AI/ML engineering for financial institutions. Comparable to SCFGS in modern technology capabilities (cloud, data, AI) applied to financial services.
• Mphasis: IT services firm with a strong focus on banking, financial services, and consumer lending technology. Comparable to SCFGS in providing application development, cloud infrastructure, and digital transformation services specifically for financial services institutions.
• Sopra Steria: European-headquartered IT services firm with a strong Banking & Financial Services specialization serving major European banks across multiple countries. Particularly comparable to SCFGS in multi-country European banking captive and shared services engagements, including application development and infrastructure modernization.
• NTT Data: Global IT services provider with deep specialization in banking and financial services technology, particularly strong in European markets. Comparable to SCFGS in delivering core banking modernization, application development, and infrastructure services for European banks, including captive-style multi-country engagements.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/santander-consumer-finance-global-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Santander Consumer Finance Global Services