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About

Quick facts

2013

year

established

2.6

BN USD

issued loans

23.5

million

served clients

2080

employees

staff employed

Footprint

Our services are represented in the fast developing markets and we continue expanding the footprint

What makes us different

Expertise

We have been successfully providing lending in the quickly developing markets since 2013

Robotization

We use automated technologies and scoring based on machine learning and artificial intelligence for better user experience

In-house

We do everything in-house: from product development and data-driven risk management to customer care and collection

Peer-to-Portfolio platform

We have our own fully automated p2p platform in Europe to finance the exponential growth of our lending companies

Focus on profit

We bootstrapped our success in the market from the very beginning, continuing the dynamic growth from year to year

Diversification

We have an extensive footprint, launch new types of products and provide lending both online & offline

Sustainable business

Environmental

We strive towards minimising environmental impact of our operations

  • We regulate our energy usage in offices, preventing excessive use of AC and using only energy-saving LED lights
  • 94% of our business is paperless, saving 1.6 million kg of wood in 9M 2021 alone
  • Storing our internal documentation digitally in cloud-based storages
  • We support remote work of our employees to reduce carbon emissions from commute

Our People

We owe our success to our people

  • Employees can enjoy personal spaces, lounging areas, cafeterias and company sports facility
  • 77% are aware of the company’s future plans, and 53% learn of them directly from the CEO
  • Since 2020, over 600 employees have completed our specially designed educational courses
  • The special benefits include VHI, quarterly bonuses, and even an opportunity to visit other countries for work or vacation on behalf of the company

We support and celebrate each of our employees, regardless of age, sex, race or sexual orientation

Supporting our people in Covid-19

In the midst of the Covid-19 pandemic, we made our people our biggest priority

  • Provided all necessary equipment and furniture for remote work
  • Hosted online events to support the team over distance
  • Organised voluntary vaccinations in the offices

Our Customers

We strive to build financial ecosystem for the underserved to provide real financial empowerment

  • Over the years, we have serviced more than 17 million customers
  • The most common loan goals include unforeseen expenses, medical expenditure and bill payments
  • With our help, customers pursue the opportunity to build credit history 

To date, we have disbursed over 1 Bn USD worth of loans

Our Communities

We seek to leave a positive impact on all communities across our footprint

  • We have donated nearly 2 M RUB to the charities benefiting sick children and orphans
  • We regularly give out gift packages to the poor on the streets
  • Our employee volunteer to contribute to the well-being of our environment

Governance

Secure and transparent conduct is key in all aspects of our work

  • We share financial updates with our investors and the public at large on the quarterly basis
  • Starting in 2020, we share our reviewed and audited financial statements, accompanied with management reports
  • The companies of Robocash Group adhere to detailed policies, covering corruption, fraud, money laundering and data privacy

Guiding principles

Mission:

Our mission is to quickly meet the financial needs of customers by continuous simplification and automation of business processes.

Vision:

We are driven by the idea to become the best financial service in each country by applying automation and advanced digital technologies.

Values:

In everything we do, we are committed to clear principles and values that contribute to the integrity of the company, productive interaction and effective work.

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Proactivity

We are entrepreneurial and take action without hesitation!

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Ownership

We work on each task with the highest level of responsibility.

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Speed

We achieve maximum results in minimum time.

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Focus on people

We strive to understand any person we interact with and to be understood in return.

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Bold thinking

We keep clear priorities but welcome fresh ideas and stay open-minded to new as well.

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Synergy

We achieve more when working together.