Santander Consumer Finance (SCF) is a leading consumer finance bank present in 16 European countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, Switzerland and the UK. It is also present in Canada and China. SCF offers a wide range of consumer finance and banking solutions, mainly through points of sale –auto dealers and retail outlets– where the company has developed a unique and specialized business model, and direct-to-consumer channels –branches, phone centers and online–. More than 15,300 professionals provide the best products and services to 18 million customers and 130,000 point of sale partners. SCF is part of Banco Santander, one of the largest banks in the world by market capitalization.