Navigating Auto Lending in 2026: Speed, Agility, Visibility, at Your Fingertips
If you’re a technology or risk leader in the auto lending industry, your world can often feel like you’re living in a constant state of quickly shifting gears. Everything from markets, fraud risks, and customer expectations are constantly in motion.
Join us in this on-demand webinar to hear from industry expert, Christopher Mahanna, CISSP, for a practical and casual conversation on the reality of auto lending today. We’ll dig into where technology can provide a lift in operations and risk.
You’ll learn:
How to build a faster, smarter, more adaptive decisioning process
How to strengthen risk and fraud controls
How to future-proof operations with modular technology modernizations
We’re looking forward to sharing how you can supercharge your decisioning engine which will enable you to make fast (not furious) decisions.
Traton Financial Services operates as a finance provider for the wider Traton Group, one of the world’s largest commercial vehicle manufactures. Traton comprises of 4 major brands – Scania, MAN, International Financial and VW Bus & Trucking.
Traton Financial Services’ primary role is to provide financial options that help drive the growth and strategic goals of each business unit.
Today, Traton Group has circa 105 thousand employees, spread over 100 countries globally.
Industry
Region
Countries
Sweden, Finland, Denmark, Norway
Line of Business
Solution
Module
Infrastructure
ROI
Competition
Customer Timeline
Land MRR: €10K Land PS: €194K Expansion MRR: €29K Expansion PS: €500K Future MRR: ~€ 20K (TFS) Future PS: €250K
Opportunity Created
April 2020
Opportunity Won
February 2021
Go-Live
Scania Italy January 2024 Scania Australia May 2024 MAN Italy May 2024 MAN Spain Jan 2025 MAN Portugal June 2025
Customer Expansion
In Progress
Discussions around Cloud 2 and adoption in other geographies
Subscription Services – driving self sufficiency.
Future
Broaden discussions into Fraud
Leverage success to drive across the wider VW Group
Initial Opportunity Details
Customer Challenge
Our journey began with Scania who were looking to replace a fractured legacy of disparate systems across their global business units with a modernized singular decisioning platform to support their TOM. They were focusing on removing customer friction from the sales process and supporting a move towards a single Global Customer View.
Following the merger into Traton FS, Provenir was selected as the group standard as they looked to address a larger problem: how to create a unified, consistent customer experience across the group. We are now in the process of supporting the central team drive this standard to the global business units.
Provenir Impact
Improve operational efficiency through Digitalization & Automation of the customer onboarding and credit processes
Improve CX and conversion rates through customization and real time decisioning
Provide better overview, control and risk governance through a structured global platform
Support growth through improved flexibility, speed and scalability
Competitors
Experian, FICO
Why We Won
Data-Orchestration / Integration:
We demonstrated the ease in which we can automate 3rd party calls to provide a single view of the customers data, integrating into various systems globally.
Re-Use for accelerated value:
Traton’s ambition for a global harmonisation of their credit systems meant re-use was essential for their business to scale. This was a clear differentiator for us in the process.
Pain Points
Slow transactions with too much customer friction
No Consistency – bad global standard
Lack of Global and Local Customisation
Customer Growth
Short-Term Growth Opportunities
Self-Sufficiency:
Driving the adoption of a subscription service that will provide their centralised team with access to enablement materials and collaboration with wider PS / DS teams.
New Business Units
Expansion into Thailand & Malaysia. These units are run by the team in Australia, where we are already live, and provide us the opportunity to consolidate the APJ triton business units onto a single instance, separate from the existing global infrastructure.
Expansion
We are engaging with Traton on expansion into other regions, where Data Residency laws are making it challenging for the local business units to leverage the existing global solution. Each deployment across into new regions ensures that the Provenir solution becomes a more integral component of their global architecture.
Christopher Mahannah
Jeff Ward
Jack Darby
