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Our business success is driven by the commitment and expertise of all our employees. This is why we are committed to developing their skills. Our employees are specialists in the various consumer credit and customer relations businesses: sales, marketing, digital technologies, statistics, IT, etc.

Managers at the heart of HR

CA Consumer Finance is pursuing many ambitious projects focused on developing career paths, integration and development courses, particularly in the management and sales professions. In addition, we see human resources as a discipline to be shared with managers: they are therefore at the centre of our approach to career management,equipped with tools to help their teams evolve.

Making transfers simple

We strongly encourage internal mobility so that young graduates and experienced employees alike have the opportunity to develop their skills. They can choose to pursue their career at CA Consumer Finance and our subsidiaries, as well as throughout the Crédit Agricole group, in France and internationally.

We provide support to our employees so that they can play a part in our company's digital transformation. The Digital Academy supports managers in developing their capacity for innovation by sharing experiences within our group and with start-ups and companies that have successfully completed their digital transformation. We have partnered with Google to boost our ability to innovate and speed up our digital transformation and with Cap Digital to strengthen our links with start-up ecosystems. In France and Italy especially, our subsidiaries have set up original structures to encourage innovation.

Ranked among the best employers in the financial sector by the magazines Capital in France and Focus in Germany, CA Consumer Finance is a responsible and committed employer. We are convinced that diversity is a source of motivation for our employees and fosters their commitment, which is key to our shared success.

We value diversity and encourage it through a variety of agreements in the areas of job diversity, disability, youth employment and senior job retention.

In 2021, Crédit Agricole Consumer Finance obtained a score of 94/100 in the Gender Equality Index: a result of strong engagement translated into several concrete actions.

About the Gender Equality Index
The Gender Equality Index is one of the measures adopted within the framework of a specific French law for the freedom of individuals to choose their career (Loi pour la Liberté de Choisir son Avenir Professionnel) promoted by the Minister of Labour, Muriel Pénicaud, and the State Secretary for Gender Equality, Marlène Schiappa. The law was promulgated on September 5th, 2018. In application of this law, the French companies with more than 50 employees are required to make public as of 1st March their overall rating, and to take corrective actions if their score is less than 75/100.

This index allows companies to measure their progress regarding equal pay through five indicators. CA Consumer Finance achieved the highest score on 3 of these 5 indicators: the difference between individual pay rise rates, the promotion rate, and salary increases after maternity leave.

• differences in salary: 39/40
• individual pay rises: 20/20
• promotion rates: 15/15
• the percentage of employees receiving a rise when they return from maternity leave: 15/15
• the number of women and men in the top ten wage bracket: 5/10

Another aspect of commitment, work-life balance, is the subject of concrete measures within CA Consumer Finance. Every two years, the internal survey "Your Voice, Our Future" allows us to objectively measure employees' overall satisfaction, their well-being at work and their commitment. In 2018, the participation rate was nearly 86%.