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Our purpose, vision and values

Our aspirational culture statement

Arrow is an ambitious company. Our determination to succeed is matched by our drive to do things the right way – ensuring we create a sustainable business that builds better financial futures for our stakeholders. 

We are entrepreneurial, fast-paced and decisive. Proud of our family values, we cherish working together in a safe, supportive community. We trust our people to make the right decisions – and we back them all the way. We’re also brave enough to acknowledge mistakes – and to learn from them. We celebrate success and reward those who take personal accountability to help us achieve exceptional long-term results. 

We’re open and eager to embrace new ways of working. Ours is a diverse community, enriched by our local identities, working collaboratively to build a powerful, unified and dynamic organisation.

This collective identity is One Arrow. 

Download our One Arrow infographic here

Our Purpose is building better financial futures. This is applicable for all our stakeholders including our customers, employees, shareholders, communities and clients. Our Purpose is well embedded across the Group; it is our philosophical heartbeat that we all feel in side us.

Our people play a key role: our people provide the essential talent and energy to fulfil our purpose and aim.

We invest in the communities where we work: we believe in working with our communities at all times, playing our part as a positive influence by supporting local charities and initiatives.

Our customers benefit from this: we know that our future is aligned with the prospects and rehabilitation of our customers.

Our clients put their trust in us: by passing the debt on to us, our clients are able to focus on their core activity of mainstream lending.

Our capital providers share in our success: we aim to deliver strong returns to our capital providers.

All of our stakeholders expect us to act in an ethical and responsible way and this is at the heart of how we conduct our business. Our Group-wide Values support this approach and we seek out and reward behaviours across the organisation that will make us more sustainable, more successful.

We succeed together – We take ownership and ensure a positive outcome for both our customers and the Group. We’re collaborative and support each other.

We do the right thing – We keep our promises. We help our customers repay their debts in a timely and affordable way. We empathise with our customers and treat them fairly.

We’re trusted & valued – We earn trust from our customers by treating them as individuals. We learn and change based on our customer feedback. We take our corporate responsibilities seriously. We will act as an example to all in our industry.

We’re brave & creative – We thrive on positivity, flexibility and challenge. We share ideas and have the courage to lead – we are not afraid to do things differently. We use insight to lead change and innovation.

The innovative and valued partner in credit and asset management

Our Vision is an aspirational description of what we want to achieve in the medium to long-term future.

We use the word ‘Innovative’ because it retains the essential part of our DNA, it’s what sets us apart from the rest of the industry. Our journey to build a unique, interdependent investment and servicing platform is proof innovation lies at the heart of Arrow.

We will continue to innovate and apply smart thinking and intelligent execution where others cannot.

We want to be a ‘Valued Partner’ for banks seeking to restructure their balance sheets and for investors wanting to invest in those non-performing and highly specialised assets.

Our core capabilities: scale, regulatory authorisation, risk management, data and analytics, local relationship and operating excellence, allow us to identify, unlock and maximise the full potential of our market and the diverse, high-return investment opportunities.

Our business model has evolved significantly from where it was a few years ago when we were just focusing on servicing defaulted unsecured credit in the UK.  We have built a unique and highly specialised platform that enables us to invest smartly, and manage the underlying assets, at great returns across multiple asset classes in the five countries we have identified as a good fit for the Arrow model.  

When you put all the components together, the result is an attractive Vision for the company. We believe we can create significant value for all our stakeholders and the good news is, we now have the right investment and servicing platform to do that. Our pan-European platform is largely built, and our focus is now on further integration and organic growth.

Today, we have all the skills at our disposal to tap into a large, growing market of sustainable growth opportunities with a fundamental need for our specialist skills.