One of Crédito y Caución's greatest strengths is the constant effort and wealth of experience of its people, employees, agents, lawyers and other collaborators, focusing on the underwriting and control of credit risk, technological development or recovery management. The social responsibility of Crédito y Caución is in particular directly expressed through its relationships with these groups.
Honesty, Respect, Trust, Professionalism, Innovation, Social Responsibility, Shared Knowledge and Lifelong Learning. These are the eight corporate values which define Crédito y Caución's character and have served to establish lasting relationships with its stakeholders. Crédito y Caución's core workforce was made up of 387 people in 2010.
According to the figures for 2010, 99% of employees are on permanent contracts and just 1% on temporary arrangements, with an equal gender distribution. The employees have an average of 18.9 years' service behind them, giving them considerable professional experience and knowledge of the economic cycle in managing risk.
The average length of service of the workforce is 18.9 years, thus contributing a high degree of experience.
Crédito y Caución was ranked the 17th-best company to work for in Spain in 2010, according to the league table drawn up by Actualidad Económica, Spain's highest circulation business journal.
In 2010, two new initiatives were implemented in order to further improve social benefits and the working environment: a Flexible Remuneration system and the Crédito y Caución Gender Equality Plan, covering all aspects of the Company's operations.
Building up lasting relationships with agents and lawyers ensures high levels of service.
The ongoing training of personnel is a key factor in the constant adaptation of all individuals who have a lasting relationship with the Company. In 2010, the various training actions implemented involved an average of 23.6 hours per employee, compared with 11.4 in 2009, with the main focus on underpinning professional and personal development.
The building of lasting relationships guaranteeing high levels of experience and professionalism is always the principle applied to the Company's relationships with other groups, such as agents and lawyers. The brokerage network, mainly based on exclusive agents, guarantees a high level of qualified consultancy and the utmost approachability in customer service. In 2010, more than 10,000 training hours were delivered with the aim of underpinning their knowledge of credit insurance and foreign trade. The typical profile of the 313 agents who at the close of 2010 made up the network was of a male (85%) with an average age of 38 and more than 12 years' professional experience working with Crédito y Caución.
In the case of the network of lawyers, comprising 240 practices responsible for default recovery proceedings, they have been working with Crédito y Caución for an average of 17 years.
Presentation
Government Contract
