Business Woman Awards 2017

12 Corporate Vision / BusinessWomen Awards 2017 , FinTech CEO of the Year 2017 - Balkans BW170006 Cash Credit is a Fintech company currently operating in Bulgaria, South Africa, and the Philippines. CEO of the firm’s operating in the Philippines, our award winner Diana Krumova faces many exciting challenges in order to continue driving the firm to excellence, as we explore. Established in 2011, Cash Credit is a fintech and lending company with strong expertise in big data analytics based on non-traditional data sources (such as telcos, utility providers, e-commerce, etc.) to assess the creditworthiness of un- and underbanked individuals. Its business model leverages the partners’ data, access to customers and distribution in exchange for revenue sharing from the joint offering of inclusive financial services. CC’s responsibility is to underwrite the credit risk, to develop IT platform, scoring and decisioning models based on behavioural, psychometrics and social data and to build and manage the necessary market ecosystem for loan application, disbursement and collection. The firm’s business model assists the financially excluded individuals and micro business in developing markets using technology, advanced in-house analytics and partnership model. This allows for a scalable and replicable growth of the company in untapped market segments. According to the World Bank, there are ca. 2 billion people worldwide that are financially excluded and technology, alternative data analytics and innovation in the delivery channels is what is needed to address them. The team have successfully demonstrated how its business model can address first-time borrowers across different geographies and bring true and responsible financial inclusion. Additionally, Cash Credit has invested heavily to develop its competitive edge through technology and science as it was the first company on global level to start analysing partners’ data for credit decisions. Diana, who has worked with the company since 2012, draws on a wealth of experience in developing and implementing new sales channels (online and offline) for fintech products internationally She has also acquired and developed new partnerships with Mobile Network Operators to jointly provide fintech services to their subscribers based on Cash Credit innovative behavioral analysis on telco data and know-how into end-to-end management of fintech services. Ultimately, Cash Credit is growing rapidly globally and aspires to augment its enablement of a responsible financial and economic inclusion of the unbanked population in the developing markets. The company continuously invests in new technologies and recruits and develops top talent, offering fast careers in the most thrilling industry in the 21st century: FinTech. Contact: Diana Krumova Contact Email: diana.krumova@ cashcreditgroup.com Address: Trade and Financial Tower, Unit 2703, 27th floor, 32nd street corner 7th avenue Bonifacio Global City, Metro Manila Phone: +63 920 658 7349 Website: https://cashcredit.bg

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