On the basis of its long-established experience and to respond to the needs of the banking and financial sector,CRIF set up a specialized and dedicated Business Process Outsourcing (CRIF BPO) company for credit processes, with the characteristics and skills necessary not only to guarantee its clients financial savings and flexibility in terms of personnel, but above all to offer the advantages that come from the employment of highly specialized professionals, specific technological investments, and continual research aimed at improving process efficiency and the effectiveness of actions.The credit management market has been characterized in recent years by a strong commercial push and bythe growth of indirect specialist networks able to provide better advice to customers than the usual channel of branches, but often generating prospective clients that are not in line with the business policies of the institution.Recent regulatory changes also require banks to adopt increasingly complex tools to reduce their credit risks, driving the reorganization of operations and resulting in changes to distribution channels.Outsourcing has therefore become an important competitive advantage for non-core activities, with the ability to streamline and simplify the activities of internal personnel, improving the performance of the sales network, and bringing in process innovation while reducing processing time and costs with the benefit of the know-how and support of specialist operators.