Residual Value Management: A strategic imperative for UK leasing and asset finance

The European leasing market now generates over €448 billion in new business annually, and residual value management sits at the very heart of its profitability. With electric vehicle (EV) penetration set to exceed 20% of some portfolios today and expected to double by 2030, and with used-vehicle prices swinging by more than 50% between 2020 and 2023, legacy approaches to residual value forecasting are no longer fit for purpose.

In this whitepaper, Thierry DECROIX, Head of Mobility Offerings at Teamwill, sets out why residual value management has evolved from a back-office function into one of the most consequential strategic variables in UK asset finance, and what organisations must do now to stay ahead.

What you’ll find:

• The complexity of RV risk: Why EV uncertainty and macro volatility are rewriting the rules
• The data & technology gap: Why VIN-level modelling and AI integration are now essential
• Five strategic levers: From predictive modelling to EV expertise and end-of-contract excellence
• The Teamwill Blueprint: A practical roadmap from diagnostic to target operating model

About Teamwill

Teamwill is a trusted partner to banks, OEMs, automotive finance companies and mobility players. For over 20 years, the firm has focused exclusively on credit and asset finance transformation. Today, 680 consultants operate across 8 countries, serving more than 200 clients worldwide. Teamwill delivers across the full spectrum, from strategy consulting and system transformation to managed services, covering every stage of the origination-to-collection lifecycle. Its domain expertise spans Personal Finance, Asset Finance, Auto-Finance, Corporate Lending and Industry Factoring. A global footprint stretching from London and Frankfurt to Dubai, Singapore and Dallas, combined with partnerships across 20 leading vendors, including Temenos, Finastra and Alfa. Teamwill brings a proven, cross-border operating model to the most complex transformation programmes in financial services.

About the author

Thierry DECROIX is a Partner at Teamwill and leads the development of the Mobility Offerings. In his role, he oversees the shaping of the next generation of Teamwill’s Mobility offerings to keep pace with a rapidly evolving banking and automotive landscape. He serves clients in France and in Europe and develops Teamwill’s thought capital through publications, roundtables and industry events.

About the UK practice

Teamwill’s UK practice is led by Aysha ELLIS-AZIZ, Managing Director, who brings this expertise directly to the UK asset finance and leasing market. Teamwill is an AI-driven consultancy specialising in asset finance and leasing transformation, working with leading financial institutions across Europe to assess, design, and implement the operating model, technology, and data capabilities required to manage residual value as a strategic asset. If you would like to explore how your organisation can strengthen its residual value management capabilities, Aysha and the UK team would welcome a conversation.