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Why Home Credit?

Leading emerging market consumer finance specialist

  • With 22 years of experience, we operate in 9 countries in Asia and Europe, have served over 116 million customers and had outstanding gross loans of EUR 19.5 billion (at end March 2019). 
  • Over half the world’s population sits within our 9 markets and we are the #1 point-of-sale lender by outstanding loan balance amongst specialist consumer finance lenders in 8 of them (according to the Oliver Wyman consultancy). 
  • We are focused on markets that have under-served consumer finance needs, with weighted average GDP growth of over 6% (2013-18) and a total outstanding consumer finance balance expected to grow at 17+% on average (2018-23)

Read more about our Operations

Highly scalable and resilient platform powered by superior technology

  • We centrally manage risks, technology, products, and funding while adapting to local markets which we believe gives us resilience in changing conditions.
  • Our technology systems have evolved specifically for consumer lending, utilising big data and AI and supported by over 3,300 dedicated staff.
  • Our experience of credit cycles in different countries provides risk management and customer insights that we successfully deploy across all our operations.
  • The effectiveness of our centralised platform is evidenced by our ability to seize and retain leading positions after we enter into new markets.

Presence wherever and whenever our customers need financing

  • Our omni-distribution model integrates our extensive physical distribution network with online channels ensuring our products are easy to access - new loan volumes split almost equally between offline and online. 
  • We believe this makes us a preferred choice for customers and partners across our channels as is evidenced by our relationship with 4 of the top 5 mobile handset makers as well as our positive Net Promoter Scores

Proven ability to maximize customer lifetime value

  • We offer our suite of products to secure customers with the right risk profile, then maximize their lifetime value through the cross-selling of higher value and higher margin products. 
  • Point-of-sale loans enable us to acquire large volumes of new customers while controlling risks, as transactions are linked to specific purchases of consumer goods and loan proceeds are disbursed directly to our partners.
  • In 2018 repeat customers accounted for 67% of our new loan volume and 40% of our customers borrow from us more than once. 

Centralized data analytics for superior customer and risk management

  • Advanced data analytics, AI and other disruptive technologies are applied throughout our customer experience, from application to credit approval to collections and customer management. 
  • Technologies and data analytics are managed centrally to ensure experiences are shared across countries, while customer scoring and data processing are performed in-country. 
  • Our powerful technologies and the substantial resources invested in them enable us to achieve superior risk management outcomes while forming an entry barrier to potential competitors. 

Diversified and stable funding sources

  • We actively seek a diverse range of funding sources and hold consumer finance or banking licenses in all of the countries in which we operate.
  • Funding sources include customer deposits, loans from bank and financial institutions and debt securities, such as bonds, asset backed securities, certificates of deposit and commercial papers. 
  • Our introduction of capital-light funding models provides further support for growth and higher returns. 

Experienced management team with proven track records

  • Over the past two decades our experienced management team has successfully and profitably expanding our business to nine countries and made us #1 in number of POS among all global consumer finance providers (at end 2018]. 
  • They have on average [over 20] years of experience at global institutions such as General Electric, Generali, and IBM as well as unparalleled experience operating consumer finance businesses across credit cycles in Europe and Asia.
  • Our country management teams bring a deep understanding of the local markets, with over 15 years experience on average. 
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