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35	35	== Customer acquisition ==
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37		-Pioneer is currently in partnership with three of the ‘big four’ banks, regional banks and leading consumer leasing providers.  Pioneer builds relationships with partners that have similar standards for risk assessment, retail credit origination, customer service and brand values to their own. The customer segments acquired by Pioneer are all similar in nature, predominantly credit cards, personal loans and high quality consumer leases. This allows the Customer Service Team at Pioneer to become specialists in working with this type of customer.  They all had good credit history when originated, have experienced a ‘life event’ and are generally motivated and eager to meet their obligations and get their financial life back on track.
	37	+Pioneer is currently in partnership with three of the ‘big four’ banks, regional banks and leading consumer leasing providers.  Pioneer builds relationships with partners that have similar standards for risk assessment, retail credit origination, customer service and brand values to their own. The customer segments acquired by Pioneer are all similar in nature, predominantly credit cards, personal loans and high quality consumer leases. This allows the Customer Service Team at Pioneer to become specialists in working with this type of customer.  They all had good credit history when originated, have experienced a ‘life event’ and are generally motivated and eager to meet their obligations and get their financial life back on track.{{footnote}}https://corporate.pioneercredit.com.au{{/footnote}}
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39	39	The majority of retail portfolios sold in Australia and New Zealand are under forward flow agreements, where a purchaser agrees to purchase and a vendor agrees to sell a proportion of its portfolio, meeting agreed characteristics for an agreed term (typically of 12-24 months).
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84	84	[[[[image:https://corporate.pioneercredit.com.au/wp-content/uploads/2018/04/Leadership-principles-for-Annual-report-v12.jpg]]>>url:https://corporate.pioneercredit.com.au/wp-content/uploads/2018/04/Leadership-principles-for-Annual-report-v12.jpg]]
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	86	+(% class="wikigeneratedid" %)
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	90	+= Resent presentation =
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	92	+[[https:~~/~~/corporate.pioneercredit.com.au/wp-content/uploads/2019/02/1H19-Results-Presentation.pdf>>https://corporate.pioneercredit.com.au/wp-content/uploads/2019/02/1H19-Results-Presentation.pdf]]
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	94	+= References =
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	97	+{{putFootnotes/}}