“ Universo ' s success has been driven by a challenging mindset , with a very clear purpose and distinctive culture ”
CARLOS BRAZIEL DAVID CHIEF OPERATING OFFICER , SONAE
servicing over 250 customers with more than 90mn end-users .
Universo has partnered with Deloitte on developing the operational model concerning credit and risk . “ Together with Deloitte , we set up Universo risk , credit , and collections operations ” says Braziel David .
Deloitte is a key Mambu partner , with specific expertise in helping fintechs and banks in the delivery of core transformation programmes .
“ I would say that , together with the Mastercard and Mastercard Processing Europe for the payments – with Mambu and Deloitte for the credit and risk areas setup – we could fulfil this second stage of Universo being across all the credit value chain . ”
Preparing for the future Sonae recently announced a preliminary agreement with Bankinter Consumer to create a joint venture that will take Universo to the next stage .
The joint venture will combine Sonae ’ s Universo businesses with Bankinter Consumer Finance in Portugal , which manages Bankinter ’ s Portuguese consumer credit products and services .
The agreement establishes the main terms for creating a leading consumer
40 April 2023