Santander Consumer Operations Services GmbH (SC-OS) was founded in 2017 as a wholly-owned subsidiary of Santander Consumer Bank AG. It functions as the central operational service provider for Santander in Germany, bundling all back-office processes. The company's core mission is to handle key banking operations, including credit application processing, customer service, collections, and deposit management, thereby increasing efficiency, quality, and digitalization for the parent bank. Headquartered in Mönchengladbach, SC-OS is a critical component of Santander's German market strategy.

Founded in

Germany