Hire best-in-class Consumer Lending consultants & experts

Our invite-only community connects the world’s top
Consumer Lending specialists to projects that need execution, now.

Ready in 48 hours.

merger and acquisitions recruitment platform
Selected clients and partners

The world's largest network of Consumer Lending consultants

Our Fintalents serve clients in North America, LATAM, Europe, MENA, and APAC.

Talent with experience at
World Map

Hire your Consumer Lending consultant in 48 hours

Fintalent is the invite-only community for top-tier independent M&A consultants and Strategy professionals. Hire global freelance M&A consultants and Strategy experts with extensive experience in over 2,900 industries. Our platform allows you to build your team of independent M&A advisors and Strategy specialists in 48 hours. Welcome to the future of Mergers & Acquisitions!


Freelance M&A consultant

Barcelona, Spain
7 years experience


Freelance M&A consultant

New York, United States
10 years experience


Freelance M&A consultant

5 years experience


Freelance M&A consultant

United States
12 years experience


Freelance M&A consultant

4 years experience

Why should you hire Consumer Lending experts with Fintalent?

Trusted Network

Every Fintalent has been vetted manually.

Ready in 48h​​​

Hire efficiently. Your M&A team is ready in 2 days or less.​​​​

Specialized Skills​

Fintalents are best-in-class - and specialized in 2,900+ industries.​

Code of Ethics​​

We guarantee highest integrity and ethical principles.​​​

Frequently asked questions

What clients usually engage your Consumer Lending Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Consumer Lending talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Consumer Lending professionals, highly specialized within their domains. We have streamlined the process of engaging the best Consumer Lending talent and are able to provide clients with Consumer Lending professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Consumer Lending professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Consumer Lending consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Consumer Lending consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Consumer Lending talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Consumer Lending talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Consumer Lending consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

Everything you need to know about Consumer Lending

Consumer lending is a type of lending that offers credit payments or cash loans to individuals, households, and businesses for purchases such as homes, automobiles, education, or vacations. Lenders are typically banks, credit unions, and other commercial lending institutions. Consumer lenders offer loans with fixed interest rates, variable interest rates or variable-rate mortgages. Consumer loans are also called installment loans or retail installment contracts.

In the United States consumers borrow an amount of money that is similar to the amount they have available for spending on a credit card for a specific period of time with low or no fees attached if the consumer pays back what they owe in full at periodic intervals like monthly payments. These installments may be paid on an “as needed” basis (also known as revolving) or may be arranged in advance such that no monthly payments are required for up to five years (amortization).

Consumer loans can be secured (in which case the lender holds an asset – such as a lien on the property or vehicle, or registration of a motor vehicle – in exchange for an agreed upon interest rate) or unsecured (i.e., not backed by collateral). The terms of such loans are based on the borrower’s credit worthiness.

Often, consumer loans are provided by non-bank lenders including credit unions and finance companies, and can be packaged with other products such as auto leases. In recent years, some large commercial banks have started offering new consumer loans to help their customers deal with stagnating wages that have left many consumers struggling to repay higher-cost debt in today’s economy. In 2011 U.S. consumers owed $2 trillion on their credit cards, and another $937 billion in student loans for a total of $3 trillion in consumer debt according to the U.S. Census Bureau.

There is great concern about the rising level of consumer debt, which rose to $10 trillion by January 2010, a level not previously seen since just before the Great Depression in 1929. In the United States private student loans are considered consumer debt, though private student loan debt has surpassed that of credit card debt (making it the largest source of non-mortgage related household indebtedness). They accounted for more than 40% of all US personal loan outstanding balances and about 14% of total US non-housing related personal debt.(U.S. Census Bureau; 2009)

Consumer debt increased in the United States by more than 50% between 2003 and 2008, from $854bn to $1.3 trillion. This was attributed in large part to the subprime mortgage crisis, with lower income families and individuals being hit hardest by this increase, resulting in an estimated 40 million people having consumer loans. Since banks are the largest source of consumer lending (particularly unsecured lending), any regulatory move by most countries to limit banks’ activities may reduce the level of consumer lending that can occur. (Brown et al. 2009)

There are three major categories of consumer loan, which are:

Credit cards, also known as charge cards, offer consumers the opportunity to borrow money on a revolving basis for various purposes. The credit card issuer provides a line of credit that can be used regardless of whether there is any current obligation to pay. Because it is repaid in full and charged off by the end of the period it is borrowed for, this method provides an effective way for companies to use up their receivables inventory and reduce their inventory risk. For many years credit cards have been widely used in the United States and abroad; however, there are those who object to them.
It has been suggested that “… the credit card has proved to be a major contributing factor in the economic downfall of many individuals and families. Research shows that more than 90% of Americans who file for bankruptcy protection have credit card debt. Credit card debt is also cited as one of the leading causes for personal bankruptcy in Canada, Australia and the United Kingdom, as reported by The Chicago Tribune.

Some students and adults see credit cards as a convenient method to make everyday purchases without having to carry cash or write checks, while others cite security concerns. Despite these potential drawbacks, consumer advocates see credit cards as an effective method for creating an optimal level of consumer spending; with enough incentives (such as rewards, etc.) it can help consumers become comfortable with using plastic money.

Many banks and credit unions offer loan products that make student loans more affordable in the United States. The U.S. Department of Education recommends these institutions for providing the highest quality financial assistance programs to help students pay for college debt and avoid default.
These loans offer a variety of options to meet their customers’ needs, such as the ability to choose a repayment plan that fits their situation, depending on how long they want to be making payments, and whether they have been employed while going to school or are not even sure they will be able to get a job after graduating.

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Hire the best Consumer Lending specialists in 2,900+ industries

Fintalent is the invite-only community for top-tier M&A consultants and Strategy talent. Hire global Consumer Lending consultants with extensive experience in over 2,900 industries. Our platform allows you to build your team of independent Consumer Lending specialists in 48 hours. Welcome to the future of Mergers & Acquisitions!