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 2017
Growth rate of loans issued during the latter 12 months
Growth rate of loans issued during 2 quarters of 2018 in comparison to the same period of 2017
Growth rate of cash loans issued in June 2018 in comparison to June 2017
Vyruchai-Dengi possesses more than 170 locations for issuing loans in 30 cities of the country.
The Company is actively developing in the Central and Southern Districts of the Russian Federation.
- Starting from 2017 the Company opened new branches of the company in the cities:
- The near-term plan is to open branch offices of the Company in:
- And other perspective cities in the European part of Russia.
- RUSSIACZECH REPUBLIC
- 12, Presnenskaya Emb.,
East Tower (Moscow City),
28th FloorPalác Koruna
Václavské náměstí 1
100 00 Praha 1
- ANDREI VOLOKHOVPETR RASOCHA
- +7 499 700 00 86+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. Last year the Company introduced the new business line – general-purpose cash loans. At the middle of 2016 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 30 thousand to 3 million roubles for the period from 1 to 4 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 24 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
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.
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
Chairman of Board of Directors
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 21 years.
Member of the Board
Graduated from The State University of Management (economist-cybernetician) Dnepropetrovsk Academy of Management, Business Administration and Law (financial management). .
For over 22 year has been working at the top positions in the sphere of finance of construction, banking and investment sectors of the economy
Member of the Board
Graduated from St. Petersburg banking Institute, faculty “Anti-crises Management”. Got MBA Degree in Moscow State Technical University named after Bauman. Concentrates on work with troubled assets and debts receivable, companies financial position analysis and assessment of their credibility, as well as in assessment of investment projects.
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 – 12 years.
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 – 7 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 – 3 years.
Director of Risk-Management Department
For 4 year occupied position of the specialist of underwriting in HKF Bank. Work experience in the sphere of finance – 8 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 – 6 years.
Division Supervisor for Coordination Work with Key Partners
Got higher education in the Crimea Engineering- Pedagogical University, specialisation – technologist, teaching engineer. Worked as the regional representative of EG Electronics in the Crimea.
Work experience in the sphere of finance – 7 years
Educated in The Moscow State University of Psychology and Education, specialisation – Civil Law. For 10 years worked as a chief counsel in PAO Rosbank (Societe Generale Group).Work experience in the sphere of finance – 10 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 – 11 years.
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