Santander Consumer Operations Services GmbH (SCOS) is a 100% subsidiary of Santander Consumer Bank AG and is subject to a control agreement including a loss absorption obligation by the parent company. The company provides internal administrative services and operates the operational management of all banking products (e.g., deposit and lending products, mortgage lending) in front- and back-office across all communication channels. Specific tasks include telephone banking, customer and dealer support, payments, complaint management, debt collection, processing of credit and leasing business, and provision of temporary personnel (employee leasing). Since August 2024 SCOS also provides services to OPEN BANK, S.A., Germany branch, which are currently reported as 0.5% of the company's total volume.
(1) Die Vermittlung von Arbeitskräften und die Arbeitnehmerüberlassung sowie die Erbringung kaufmännischer Unterstützungs- und Servicedienstleistungen für Konzernunternehmen und für Dritte - insbesondere im Finanzdienstleistungssektor. (2) Die Erbringung interner Dienstleistungen für die Santander Bank-Gruppe. Das Kerngeschäft ist das operative Management aller Bankprodukte (z.B. Einlagen- und Kreditprodukte, Baufinanzierung) unter Nutzung aller Kommunikationskanäle wie Internet, Brief, Fax, E-Mail und Telefon (Front- und Backoffice). Hierzu gehören im Wesentlichen die Kunden- und Händlerbetreuung im Neu- und Bestandsgeschäft, der Zahlungsverkehr, das Beschwerdemanagement sowie die Poststelle.
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Source: German Commercial Register (Handelsregister) Mönchengladbach Local Court, HRB 12099 (as of 3 October 2026)
Source: German Commercial Register (Handelsregister) Mönchengladbach Local Court, HRB 12099 (as of 3 October 2026)
Source: German Commercial Register (Handelsregister) Mönchengladbach Local Court, HRB 12099 (as of 3 October 2026)
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Source: German Commercial Register (Handelsregister) Mönchengladbach Local Court, HRB 12099 (as of 3 October 2026)
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