Risk overview

OnGuard was chosen to help bring structure to the company’s credit risk management policies. A more customer-oriented approach means that customers are allocated a dedicated credit manager and are divided into groups depending on their risk ratings. With OnGuard BMW FS runs its credit management department as efficiently and effectively as possible.



  • Improved qualitative analysis & reporting
  • Increase automatic credit approvals to 55%
  • 10% more approved credit applications
  • Reduction in DSO: from 14 to 4 days
  • 35% reduction of capital assets in accounts receivables

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Innovative approach

BMW Financial Services’ credit risk management strategy is professional and efficient. Initiated in The Netherlands, this Dutch policy has been adopted by the BMW Group, becoming a benchmark in other countries worldwide. In 2008 Hans van Diest won the Credit Management Award for the company’s excellent credit risk management processes. Van Diest: “Improving quality within the BMW Group is a continual process. We have simplified and automated our processes in order to stimulate the sale of our products as well as optimise and improve the quality of our services to BMW and MINI dealers and to our customers.’


‘OnGuard is a vital part of our processes.’

Hans van Diest

Hans van Diest

Risk manager, BMW Financial Services

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