LC Micro-credit Company Vyruchai-Dengi (established in 2011 in the city of Bryansk) is large, ambitious, dynamic сompany in the areas of customer lending and cash loans. Vyruchai-Dengi is part of SAD Capital Ltd.
Vyruchai-Dengi today is one of the most attractive companies for investors operating in micro-financing sector of the economy in Russia. We welcome commercial partners to make use of opportunities that are offered by Vyruchai-Dengi. Investment potential of the Company is driven by several factors:
Why investors choose us
Micro-credit Company Vyruchai-Dengi today is one of the largest micro-credit intuitions in Russia. According to the report of the rating agency Expert RA (RAEX) Vyruchai-Dengi occupies 8th line in terms of volume of consumer lending portfolio among all MFI’s working in Russia (as at 01.01. 2018).
Ranking of MFIs in terms of amount of consumer lending to individuals as of 01.01.2018
|Rank as of 1 January 2018||Rank as of 1 January 2017||MFO name||Basic indicators as of 1 January 2018||Basic indicators as of 1 January 2017||Total portfolio growth rate for 12 months, %||IL “working” portfolio growth rate for 12 months, %|
|IL microloan portfolio, RUB mln||Including the portfolio of IL microloans issued online||IL microloan portfolio excluding debts overdue for more than 90 days||Equity, RUB mln||IL microloan portfolio, RUB mln||Including the portfolio of IL microloans issued online||IL microloan portfolio excluding debts overdue for more than 90 days||Equity, RUB mln|
|1||1||MigKredit||3 461.3||963.1||2 523.8||1 763.9||2 607.8||395||1 727.7||1 361.6||33%||46%|
|7||4||Sammit (Centr Zajmov)||305.0||24.9||227.9||76.3||376.8||0||234.4||134.7||-19%||-3%|
Source: Expert RA
Vyruchai-Dengi demonstrates dynamic growth of business development:
Growth rate of loan portfolio of Vyruchai-Dengi in 2018
Share of VD Platinum cash loans in loan portfolio
Growth rate of loans issued in 2018 in comparison to 2017
Growth rate of cash loans issued in 2018 in comparison to 2017
Vyruchai-Dengi possesses more than 100 locations for issuing loans in 30 cities of the country.
The Company is actively developing in the Southern District of the Russian Federation.
- The near-term plan is to open branch offices of the Company in other perspective cities in the European part of Russia.
- CZECH REPUBLIC
- Palác Koruna
Václavské náměstí 1
100 00 Praha 1
- PETR RASOCHA
- +420 608 877 611
New lines of business and products
Vyruchai-Dengi closely monitoring the market to find the most perspective lines of business offering competitive credit products of high demand. In 2016 the Company introduced the new business line – general-purpose cash loans. At the middle of this year Vyruchai-Dengi launched the new brand for this product – VD Platinum.
Under the brand of VD Platinum we are selling product line of cash loans with various conditions and requirements to borrowers. Loans vary in size from 20 thousand to 3 million roubles for the period from 12 months to 5 years on easy terms (without guarantors and hidden charges) at a low-interest rate (in comparison to other non-bank financial institutions).
To get the loan from Vyruchai-Dengi is much easier and quicker than from a bank – some loans are approved within 2-5 hours. To get the loan you do not need to provide earnings certificate. Notice that large amounts (from 500 000 RUR and more) are granted to borrowers upon presentation of earnings certificate and/or floating charge (vehicle, real estate certificates)
Membership in Associations and Awards
Vyruchai-Dengi is the member of the self regulating organization MIR (Micro-financing and Development) which unites the major micro-financing companies in Russia.
The best business start-up
For the results of work in 2014 Association of young entrepreneurs of Russia (AYER) acknowledged Vyruchai-Dengi as the best business start-up in Russia.
Award winner “Golden Rouble”
In November 2015 the Company became the award winner “Golden Rouble” in the nomination “social project of the year”
In November 2016 Vyruchai-Dengi became the award winner NAUMIR in the nomination “For contribution into regional development”
International Management Team
Vyruchai-Dengi has the international management team possessing years of experience operating in the financial sphere in Russia, Czech Republic, Slovakia, Ukraine, Philippines and other countries. Stratigic management of the Company is performed by Petr Rasocha, Chairman of Board of Directors, experienced top manager and the banker with more than 21 years term in financial business.
BOARD OF DIRECTORS
Director of economics
Graduated from McMaster University (Hamilton, Canada) – Faculty of Economics and Faculty of Political Science. Supervised projects in the financial sector in Scotia Bank, GE Capital Bank, Citibank, TBIF Financial Services. He also worked in IBM, Sanoma и Bertelsmann Media. Work experience in the sphere of finance – over 22 years.
Chief Executive Officer
Got higher education in economics, faculty – international economic relations. Worked in ProCredit Bank, recruiting company Pedersen & Partners and M.B.A. Empire Group. Work experience in the sphere of finance – 13 years.
Chief Operations Officer
Got his Master’s degree in Univerzita Karlova in Prague. Worked in the line of project management in the real estate sector in the Central Europe (Real Estate Project management (Central Europe, CIS)). Work experience in the sphere of finance – 8 years.
Chief Financial Officer
Has the higher education in Accounting, Auditing and Analysis. Before was working on the position of the Chief Accountant of LLC Telekontact Bryansk, LLC Express-Art.Work experience in the sphere of finance – 4 years.
Chief Risk Officer
For 4 year occupied position of the specialist of underwriting in HKF Bank. Work experience in the sphere of finance – 9 years.
Director of Sales
Got the higher education in Banking and Finance in Sevastopol National Technical University. Worked in PJSC Ukrsibbank and JSC Commercial Bank RUBank heading the express crediting department. Work experience in the sphere of finance – 7 years.
Chief Legal Officer
Educated in The Ivan Petrovsky Bryansk State University, specialisation – Jurisprudence. For 9 years worked as a legal adviser in the subsidiary company of PJSC «NK» Rosneft». Work experience in the sphere of finance – 4 years.
Chief Marketing Officer
Educated in Kyiv National Economic University, specialisation – Marketing. Worked in international companies in the Department of Marketing, advertising and PR.
Chief Information Officer
Educated in the sphere of information technologies (IT networks, IT systems). Works in M.B.A. EMPIRE at the CIO (Chief Information Director) position. Work experience in the sphere of financial data security – 12 years.