[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"seo-content-expertise-credit-assessment-de":3,"job-search-\u002Fen-de\u002Fjobs-by-expertise\u002Fcredit-assessment":33,"expertise-filters-\u002Fen-de\u002Fjobs-by-expertise\u002Fcredit-assessment":299,"featured-jobs-\u002Fen-de\u002Fjobs-by-expertise\u002Fcredit-assessment":400},{"image_path":4,"content_de":5,"content_en":18,"composite_key":31,"last_updated":32},"\u002Fimages\u002Fexpertise\u002Fcredit-assessment.webp",{"tab1":6,"tab2":9,"tab3":12,"tab4":15},{"title":7,"content":8},"Bedeutung & Relevanz","Die **Kreditwürdigkeitsprüfung** (Credit Assessment) ist ein zentraler Prozess im deutschen Finanzsektor, der die Bonität von Kreditnehmern systematisch bewertet. In **Deutschland** spielt sie eine entscheidende Rolle für die Stabilität des Bankensystems und den Schutz vor Ausfallrisiken. Durch eine gründliche Analyse von finanziellen Kennzahlen, Zahlungshistorien und wirtschaftlichen Perspektiven minimieren Kreditgeber wie die [Berliner Volksbank eG](\u002Fcompany\u002Fberliner-volksbank-eg) das Risiko von Forderungsausfällen. Besonders relevant ist die Kreditwürdigkeitsprüfung in Branchen wie dem [Banking](\u002Fjobs-by-industry\u002Fbanking) und bei [Debt Collection Services](\u002Fjobs-by-industry\u002Fdebt-collection-services), wo sie die Grundlage für fundierte Entscheidungen in der [Kreditvergabe](\u002Fjobs-by-expertise\u002Fcredit-assessment) und im [Forderungsmanagement](\u002Fjobs-by-expertise\u002Fdebt-collection) bildet. In Zeiten wirtschaftlicher Unsicherheit gewinnt sie zusätzlich an Bedeutung, um nachhaltige Finanzierungsstrategien in [Deutschland](\u002Fsearch) zu sichern.",{"title":10,"content":11},"Top-Branchen & Standorte","In **Deutschland** konzentrieren sich Karrieren in der Kreditwürdigkeitsprüfung auf Schlüsselbranchen wie [Banking](\u002Fjobs-by-industry\u002Fbanking), [Debt Collection Services](\u002Fjobs-by-industry\u002Fdebt-collection-services) und [Debt Collection](\u002Fjobs-by-industry\u002Fdebt-collection). Führende Unternehmen wie die [Berliner Volksbank eG](\u002Fcompany\u002Fberliner-volksbank-eg) in **Berlin**, [Proceed Collection Services GmbH](\u002Fcompany\u002Fproceed-collection-services-gmbh) in **München** und [INKASSO BECKER WUPPERTAL GmbH & Co. KG](\u002Fcompany\u002Finkasso-becker-wuppertal-gmbh-&-co-kg) in **Wuppertal** bieten zahlreiche Stellen in Metropolregionen. **Berlin** als Finanzzentrum, **München** mit seiner starken Wirtschaft und **Wuppertal** als Standort für Inkassodienstleister sind Hotspots für Fachkräfte. Diese Städte kombinieren branchenspezifisches Know-how in [Banking and Finance](\u002Fjobs-by-industry\u002Fbanking-and-finance) mit hoher Nachfrage nach Expertise in [Enforcement Law](\u002Fjobs-by-expertise\u002Fenforcement-law) und [Insolvency Proceedings](\u002Fjobs-by-expertise\u002Finsolvency-proceedings), was sie zu idealen Standorten für Jobs in [Deutschland](\u002Fsearch) macht.",{"title":13,"content":14},"Gefragte Skills & Arbeitgeber","Für die Kreditwürdigkeitsprüfung in **Deutschland** sind technische und analytische Fähigkeiten essenziell. IT-Kenntnisse in [MS Office](\u002Fjobs-by-skill\u002Fms-office) (insbesondere [MS Excel](\u002Fjobs-by-skill\u002Fms-excel) für Datenanalyse) und [MS Office Suite](\u002Fjobs-by-skill\u002Fmicrosoft-office-suite) sind grundlegend, ergänzt durch Skills in [Financial Modeling](\u002Fjobs-by-skill\u002Ffinancial-modeling) für Risikobewertungen. Arbeitgeber wie die [Berliner Volksbank eG](\u002Fcompany\u002Fberliner-volksbank-eg) setzen auf Expertise in [Debt Collection](\u002Fjobs-by-expertise\u002Fdebt-collection) und [Market Analysis](\u002Fjobs-by-expertise\u002Fmarket-analysis), während [Proceed Collection Services GmbH](\u002Fcompany\u002Fproceed-collection-services-gmbh) und [INKASSO BECKER WUPPERTAL GmbH & Co. KG](\u002Fcompany\u002Finkasso-becker-wuppertal-gmbh-&-co-kg) Kenntnisse in [Legal Proceedings](\u002Fjobs-by-expertise\u002Flegal-proceedings) und [Object Inspection](\u002Fjobs-by-expertise\u002Fobject-inspection) schätzen. Zudem sind Soft Skills wie analytisches Denken und Kommunikationsstärke gefragt, um in [Banking and Financial Services](\u002Fjobs-by-industry\u002Fbanking-and-financial-services) erfolgreich zu sein. Diese Kombination macht Fachkräfte in [Deutschland](\u002Fsearch) wettbewerbsfähig.",{"title":16,"content":17},"Karriere & Entwicklung","Karrierewege in der Kreditwürdigkeitsprüfung in **Deutschland** bieten vielfältige Entwicklungsmöglichkeiten. Einstiegspositionen in Unternehmen wie der [Berliner Volksbank eG](\u002Fcompany\u002Fberliner-volksbank-eg) können zu Rollen im [Risk Management](\u002Fjobs-by-expertise\u002Frisk-management) oder [Portfolio Management](\u002Fjobs-by-expertise\u002Fportfolio-management) führen. Spezialisierungen in [Regulatory Compliance](\u002Fjobs-by-expertise\u002Fregulatory-compliance) oder [Real Estate Financing](\u002Fjobs-by-expertise\u002Freal-estate-financing) eröffnen Aufstiegschancen, während Kenntnisse in [Contract Negotiation](\u002Fjobs-by-expertise\u002Fcontract-negotiation) und [Heir Research](\u002Fjobs-by-expertise\u002Fheir-research) in [Debt Collection](\u002Fjobs-by-industry\u002Fdebt-collection) wertvoll sind. Fortbildungen in [Economics](\u002Fjobs-by-expertise\u002Feconomics) oder [Project Management](\u002Fjobs-by-expertise\u002Fproject-management) stärken das Profil. Mit der wachsenden Bedeutung von [Financial Solutions](\u002Fjobs-by-expertise\u002Ffinancial-solutions) und digitalen Tools sind Fachkräfte in [Deutschland](\u002Fsearch) gut positioniert für langfristigen Erfolg in dynamischen Umfeldern wie [Banking and Asset Management](\u002Fjobs-by-industry\u002Fbanking-and-asset-management).",{"tab1":19,"tab2":22,"tab3":25,"tab4":28},{"title":20,"content":21},"Strategic Importance","Credit assessment plays a crucial role in Germany's financial landscape, serving as the foundation for responsible lending practices across various sectors. In a country known for its robust banking system and financial discipline, credit assessment professionals ensure that lending institutions make informed decisions while minimizing risk exposure. The strategic importance of this function has grown significantly with increasing regulatory requirements and the need for sophisticated risk evaluation in both corporate and retail banking.\n\nIn Deutschland, credit assessment specialists are essential for maintaining financial stability, particularly in sectors like [banking](\u002Fjobs-by-industry\u002Fbanking) and debt collection services where accurate risk evaluation directly impacts business outcomes. The German market's emphasis on compliance and risk management makes credit assessment professionals valuable assets for financial institutions operating within the country's strict regulatory framework.",{"title":23,"content":24},"Top Industries & Locations","The credit assessment field in Germany shows strong concentration in specific industries and geographic locations. The banking sector remains the primary employer, with specialized roles in debt collection services gaining prominence. Major financial hubs like [Berlin](\u002Fjobs-in-berlin) and [München](\u002Fjobs-in-münchen) offer numerous opportunities, while [Wuppertal](\u002Fjobs-in-wuppertal) has emerged as a significant center for debt collection specialists.\n\nKey industries driving demand include traditional [banking](\u002Fjobs-by-industry\u002Fbanking) institutions, debt collection services, and specialized financial service providers. These sectors require professionals skilled in evaluating creditworthiness across various client segments, from individual borrowers to corporate entities. The concentration of financial institutions in urban centers creates natural employment clusters, with Berlin leading in innovation-focused credit assessment roles and München housing more traditional banking positions.",{"title":26,"content":27},"In-Demand Skills & Employers","Credit assessment roles in Germany demand a specific skill set combining financial acumen with technical proficiency. Core competencies include advanced knowledge of [financial modeling](\u002Fjobs-by-skill\u002Ffinancial-modeling), risk evaluation methodologies, and regulatory compliance requirements. Technical skills in [MS Office](\u002Fjobs-by-skill\u002Fmicrosoft-office-suite) applications are fundamental for data analysis and reporting tasks.\n\nLeading employers in this field include established institutions like Berliner Volksbank eG and specialized firms such as Proceed Collection Services GmbH and INKASSO BECKER WUPPERTAL GmbH & Co. KG. These organizations seek professionals with expertise in debt collection, enforcement law, and insolvency proceedings. The ability to conduct thorough market analysis and object inspection, combined with strong analytical capabilities using [MS Excel](\u002Fjobs-by-skill\u002Fms-excel) and other office tools, distinguishes top candidates in the German job market.",{"title":29,"content":30},"Career & Development","Career development in credit assessment within Germany offers diverse progression paths, from entry-level analyst roles to senior risk management positions. Professionals can advance through specialization in areas like [portfolio management](\u002Fjobs-by-expertise\u002Fportfolio-management) or [risk management](\u002Fjobs-by-expertise\u002Frisk-management), with opportunities spanning across banking, financial services, and specialized collection agencies.\n\nThe German market values continuous professional development, with certifications in compliance and risk assessment enhancing career prospects. Career growth often involves transitioning from technical assessment roles to strategic positions involving [client engagement](\u002Fjobs-by-expertise\u002Fclient-engagement) and financial solutions development. With Germany's strong emphasis on financial stability and regulatory compliance, credit assessment professionals can expect sustained demand and opportunities for advancement in both traditional banking institutions and emerging fintech companies across [Deutschland](\u002Fsearch).","expertise:credit-assessment:de","2026-08-17T09:07:31.820046+02:00",{"total":34,"jobs":35},9,[36,77,105,135,165,199,220,243,276],{"id":37,"slug":38,"title":39,"raw_title":40,"is_featured":41,"company":42,"raw_hiringOrganization_logo_url":46,"processed_city_gmaps":47,"processed_country_iso_code_gmaps":49,"processed_home_office":51,"processed_salary_min":52,"processed_salary_max":53,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":56,"processed_employment_types":58,"processed_it_skills":59,"processed_it_skills_labels":61,"processed_job_expertise_skills":64,"processed_job_expertise_skills_labels":67,"max_cpc":76,"actual_cpc":76},74899,"business-center-agent-kreditberatung-mwd-kreissparkasse-miesbach-tegernsee","Business Center Agent – Kreditberatung (m\u002Fw\u002Fd)",null,false,{"name":43,"slug":44,"logo_url":45},"Kreissparkasse Miesbach-Tegernsee","kreissparkasse-miesbach-tegernsee","\u002Fimages\u002Flogos\u002Fkreissparkasse-miesbach-tegernsee-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F71152570.svg",[48],"Tegernsee",[50],"DE","hybrid",45000,60000,"EUR","estimated",[57],"FULL_TIME","permanent",{"crm systems":60,"digital sales tools":60},3,[62,63],"CRM systems","Digital sales tools",{"sales":65,"cross-selling":60,"risk analysis":65,"credit assessment":65,"credit consulting":65,"financial analysis":65,"project management":66,"customer relationship management":65},4,2,[68,69,70,71,72,73,74,75],"Credit consulting","Financial analysis","Credit assessment","Risk analysis","Sales","Cross-selling","Customer relationship management","Project management",1,{"id":78,"slug":79,"title":80,"raw_title":40,"is_featured":41,"company":81,"raw_hiringOrganization_logo_url":85,"processed_city_gmaps":86,"processed_country_iso_code_gmaps":88,"processed_home_office":51,"processed_salary_min":89,"processed_salary_max":90,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":91,"processed_employment_types":58,"processed_it_skills":93,"processed_it_skills_labels":94,"processed_job_expertise_skills":96,"processed_job_expertise_skills_labels":97,"max_cpc":76,"actual_cpc":76},74469,"geschaeftskundenberaterin-service-beratung-vertrieb-gern-sparkassen-bankbetriebswirtin-die-sparkasse-bremen-ag","Geschäftskundenberater:in – Service \u002F Beratung \u002F Vertrieb, gern Sparkassen- \u002F Bankbetriebswirt:in",{"name":82,"slug":83,"logo_url":84},"Die Sparkasse Bremen AG","die-sparkasse-bremen-ag","\u002Fimages\u002Flogos\u002Fdie-sparkasse-bremen-ag-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F29050101.svg",[87],"Bremen",[50],50000,70000,[57,92],"PART_TIME",{"sales software applications":60},[95],"Sales Software Applications",{"sales":65,"condition setting":60,"credit assessment":65,"financing consulting":65,"collateral management":60,"banking products knowledge":65,"business customer consulting":65,"customer relationship management":65},[98,99,72,100,101,102,103,104],"Business Customer Consulting","Credit Assessment","Financing Consulting","Banking Products Knowledge","Customer Relationship Management","Condition Setting","Collateral Management",{"id":106,"slug":107,"title":108,"raw_title":40,"is_featured":41,"company":109,"raw_hiringOrganization_logo_url":112,"processed_city_gmaps":113,"processed_country_iso_code_gmaps":115,"processed_home_office":51,"processed_salary_min":116,"processed_salary_max":117,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":118,"processed_employment_types":58,"processed_it_skills":119,"processed_it_skills_labels":120,"processed_job_expertise_skills":122,"processed_job_expertise_skills_labels":123,"max_cpc":76,"actual_cpc":76},70031,"berater-kreditmanagement-mwd-berliner-volksbank-eg","Berater Kreditmanagement (m\u002Fw\u002Fd)",{"name":110,"slug":111,"logo_url":40},"Berliner Volksbank eG","berliner-volksbank-eg","https:\u002F\u002Fmedia.mein-helix.de\u002Ffiles\u002Fimage\u002F2024\u002F09\u002FphsTgMyNyzGKZqvvBVA8AKqnMhvMHvfO_Logo_Berliner_Volksbank_eG_RGB_zweizeilig_links_pos.png",[114],"Berlin",[50],55000,75000,[57,92],{"data analysis tools":60},[121],"Data Analysis Tools",{"financing":65,"irba approach":65,"credit processes":65,"credit assessment":65,"credit management":65,"marisk compliance":65,"project management":60,"regulatory affairs":65,"collateral valuation":65,"process optimization":65,"data quality management":65,"credit and organizational guidelines":65},[124,125,126,127,99,128,129,130,131,132,133,134],"Credit Management","Credit Processes","MaRisk Compliance","Credit and Organizational Guidelines","Financing","Collateral Valuation","Data Quality Management","IRBA Approach","Regulatory Affairs","Process Optimization","Project Management",{"id":136,"slug":137,"title":138,"raw_title":40,"is_featured":41,"company":139,"raw_hiringOrganization_logo_url":142,"processed_city_gmaps":143,"processed_country_iso_code_gmaps":145,"processed_home_office":146,"processed_salary_min":147,"processed_salary_max":148,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":149,"processed_employment_types":58,"processed_it_skills":150,"processed_it_skills_labels":151,"processed_job_expertise_skills":154,"processed_job_expertise_skills_labels":155,"max_cpc":76,"actual_cpc":76},59231,"bankkaufmann-mwd-mietwohnraumfoerderung-l-bank-2","Bankkaufmann (m\u002Fw\u002Fd) Mietwohnraumförderung",{"name":140,"slug":141,"logo_url":40},"L-Bank","l-bank","https:\u002F\u002Fapp.softgarden.io\u002Fassets\u002Fpublic\u002Fmedia\u002Fget\u002Fa602471e-48b1-4533-a05e-18ac53042c39\u002F1787230592445\u002Fgoogle-for-jobs-logo.png",[144],"Karlsruhe",[50],"onsite",61493,73341,[57],{"ms office":60,"credit processing systems":60},[152,153],"MS Office","Credit processing systems",{"project work":60,"property law":60,"banking training":65,"market knowledge":60,"contract drafting":60,"credit assessment":65,"customer advisory":65,"land register law":60,"credit structuring":65,"credit business experience":65},[156,157,158,159,160,161,162,70,163,164],"Banking training","Credit business experience","Market knowledge","Land register law","Property law","Contract drafting","Credit structuring","Customer advisory","Project work",{"id":166,"slug":167,"title":168,"raw_title":40,"is_featured":41,"company":169,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":172,"processed_country_iso_code_gmaps":174,"processed_home_office":146,"processed_salary_min":175,"processed_salary_max":176,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":177,"processed_employment_types":58,"processed_it_skills":178,"processed_it_skills_labels":179,"processed_job_expertise_skills":182,"processed_job_expertise_skills_labels":183,"max_cpc":76,"actual_cpc":76},64184,"associate-financial-institutions-group-fig-coverage-dach-amp-nordics-team-banco-santander-sa-branch-frankfurt","Associate - Financial Institutions Group (FIG) Coverage – DACH & Nordics Team",{"name":170,"slug":171,"logo_url":40},"Banco Santander, S.A. (Branch Frankfurt)","banco-santander-sa-branch-frankfurt",[173],"Frankfurt am Main",[50],90000,120000,[57],{"excel":60,"powerpoint":60},[180,181],"Excel","PowerPoint",{"kyc":65,"valuation":65,"accounting":65,"compliance":65,"credit papers":65,"debt financing":65,"capital markets":65,"client coverage":65,"risk management":65,"credit assessment":65,"financial analysis":65,"strategic advisory":65,"business development":65,"transaction execution":65,"balance sheet solutions":65,"regulatory requirements":65},[184,185,186,99,187,188,189,190,191,192,193,194,195,196,197,198],"Financial Analysis","Accounting","Valuation","Debt Financing","Capital Markets","Balance Sheet Solutions","Compliance","Regulatory Requirements","KYC","Client Coverage","Transaction Execution","Strategic Advisory","Credit Papers","Risk Management","Business Development",{"id":200,"slug":201,"title":202,"raw_title":40,"is_featured":41,"company":203,"raw_hiringOrganization_logo_url":207,"processed_city_gmaps":208,"processed_country_iso_code_gmaps":210,"processed_home_office":51,"processed_salary_min":53,"processed_salary_max":175,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":211,"processed_employment_types":58,"processed_it_skills":212,"processed_it_skills_labels":213,"processed_job_expertise_skills":214,"processed_job_expertise_skills_labels":215,"max_cpc":76,"actual_cpc":76},63662,"firmenkundenberater-mwd-mit-schwerpunkt-heilberufe-sparkasse-jena-saale-holzland","Firmenkundenberater (m\u002Fw\u002Fd) mit Schwerpunkt Heilberufe",{"name":204,"slug":205,"logo_url":206},"Sparkasse Jena-Saale-Holzland","sparkasse-jena-saale-holzland","\u002Fimages\u002Flogos\u002Fsparkasse-jena-saale-holzland-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F83053030.svg",[209],"Jena",[50],[57,92],{},[],{"credit assessment":65,"financial analysis":65,"balance sheet analysis":65,"business administration":65,"healthcare sector knowledge":65,"corporate customer consulting":65},[216,184,99,217,218,219],"Corporate Customer Consulting","Balance Sheet Analysis","Business Administration","Healthcare Sector Knowledge",{"id":221,"slug":222,"title":223,"raw_title":40,"is_featured":41,"company":224,"raw_hiringOrganization_logo_url":227,"processed_city_gmaps":228,"processed_country_iso_code_gmaps":230,"processed_home_office":51,"processed_salary_min":52,"processed_salary_max":53,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":231,"processed_employment_types":58,"processed_it_skills":232,"processed_it_skills_labels":233,"processed_job_expertise_skills":234,"processed_job_expertise_skills_labels":235,"max_cpc":76,"actual_cpc":76},49888,"spezialist-fuer-unsere-gewerbekunden-mwd-sparkasse-kulmbach-kronach","Spezialist für unsere Gewerbekunden (m\u002Fw\u002Fd)",{"name":225,"slug":226,"logo_url":40},"Sparkasse Kulmbach-Kronach","sparkasse-kulmbach-kronach","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F77150000.svg",[229],"Kulmbach",[50],[57],{},[],{"consulting":65,"coordination":60,"needs analysis":65,"representation":60,"risk management":65,"credit assessment":65,"marisk compliance":65,"customer acquisition":65},[236,237,238,70,239,240,241,242],"Customer acquisition","Needs analysis","Consulting","Risk management","MaRisk compliance","Coordination","Representation",{"id":244,"slug":245,"title":246,"raw_title":40,"is_featured":41,"company":247,"raw_hiringOrganization_logo_url":251,"processed_city_gmaps":252,"processed_country_iso_code_gmaps":254,"processed_home_office":146,"processed_salary_min":255,"processed_salary_max":256,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":257,"processed_employment_types":258,"processed_it_skills":259,"processed_it_skills_labels":260,"processed_job_expertise_skills":261,"processed_job_expertise_skills_labels":262,"max_cpc":76,"actual_cpc":76},44102,"ausbildung-zum-bankkaufmann-mwd-ab-01092027-sparkasse-passau","Ausbildung zum Bankkaufmann (m\u002Fw\u002Fd) ab 01.09.2027",{"name":248,"slug":249,"logo_url":250},"Sparkasse Passau","sparkasse-passau","\u002Fimages\u002Flogos\u002Fsparkasse-passau-logo.svg","https:\u002F\u002Finstitute-logos.sparkasse.de\u002F74050000.svg",[253],"Passau",[50],1400,1600,[57],"student",{},[],{"insurance":76,"real estate":76,"digital banking":66,"loan processing":66,"private banking":76,"sales management":76,"corporate banking":76,"credit assessment":66,"investment advice":66,"account management":66,"payment transactions":66,"collateral evaluation":66,"customer service center":76,"multi-channel management":76},[263,264,265,266,99,267,268,269,270,271,272,273,274,275],"Account Management","Payment Transactions","Digital Banking","Investment Advice","Collateral Evaluation","Loan Processing","Corporate Banking","Real Estate","Insurance","Private Banking","Sales Management","Multi-Channel Management","Customer Service Center",{"id":277,"slug":278,"title":279,"raw_title":40,"is_featured":41,"company":280,"raw_hiringOrganization_logo_url":40,"processed_city_gmaps":284,"processed_country_iso_code_gmaps":286,"processed_home_office":146,"processed_salary_min":287,"processed_salary_max":52,"processed_salary_currency":54,"processed_salary_source":55,"processed_working_hours":288,"processed_employment_types":58,"processed_it_skills":289,"processed_it_skills_labels":290,"processed_job_expertise_skills":292,"processed_job_expertise_skills_labels":293,"max_cpc":76,"actual_cpc":298},10538,"maklerbetreuung-mwd-agl-service-und-beteiligungsgesellschaft","Maklerbetreuung (m\u002Fw\u002Fd)",{"name":281,"slug":282,"logo_url":283},"AGL Service- und Beteiligungsgesellschaft","agl-service-und-beteiligungsgesellschaft","\u002Fimages\u002Flogos\u002Fagl-service-und-beteiligungsgesellschaft-logo.jpg",[285],"Hannover",[50],35000,[57],{"internal it systems":66},[291],"Internal IT systems",{"leasing business":60,"credit 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