Home Credit Group (Home Credit B.V. and its subsidiaries) is a leading mass market consumer finance provider with €8.8bn of assets1; which was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. Our 53,900 employees serve more than 41 million customers1.
We focus on lending to consumers seeking purchases of durable goods. We offer loans to first-time borrowers, as well as revolving credit lines and credit cards to existing customers, maximising the strong cross-selling opportunities that exist across the business. We are also successfully expanding our retail deposit services for customers on a selective basis.
Home Credit Group has developed into a highly efficient business that captures lending relationships through its extensive multichannel distribution network. This network consists 145,236 of point-of-sales (“POS”) outlets, own branches, post offices and direct channels1 and positions the Group to effective origination of new customers at POS outlets and powerfully cross-sell cash loans and credit cards through other channels as relationships with its customers develop.
1As at 30 June 2014
Mr. Bruce Butler joined Home Credit Vietnam in Feb 2012; bringing with him more than 20 years Financial Services Industry experience spanning Retail Banking, Private Banking, Wholesale Banking, Credit Card Services and Consumer Finance across multiple countries. Before joining Home Credit Vietnam, Bruce held multiple roles with Hewitt Packard, Commercial Bank of Qatar, GE Capital and American Express in various senior management roles.
Bruce is married with one daughter. In his spare time he support several charities set up here in Vietnam and enjoys swimming, reading and cooking.
Mr. Ivo Slanina joined Home Credit Viet Nam in January 2015. Before joining Home Credit Vietnam, Mr. Ivo Slanina has almost 20 years ‘experience in sales and distribution in Prague (Czech Republic), Moscow and Novosibirsk (Russian Federation), where he has been moving up his sales career path from Merchandiser to a most-recent position of Director of Sales and Distribution, Prague in FMCG industry. He has also held various senior management positions, including Director of Sales for the Eastern Region, Russian Federation (Novosibirsk), National Manager Sales and Merchandising (Prague), National Key Account Manager (Prague).
Ivo is married with one son. In his spare time he prefers spending time with his family, playing guitar and golf.
Mr. Przemek Januszaniec joined Home Credit Vietnam as Chief Risk Officer in June 2015, leading an integrated function covering all aspects of the Credit Cycle – Credit Policy, Collection, Fraud Prevention and Security.
Before joining Home Credit he was holding managerial positions in leading international organisations like AT&T, Citigroup and Deutsche Bank. He was involved in risk management assignments in Poland, Germany, USA, Russia, Spain, Romania and Vietnam.
Mr. Przemek is married with two children. In his spare time he prefers spending time with his family. His hobbies are playing piano and long distance running.
Mr. Humhal joined Home Credit Vietnam as Chief Financial Officer in June 2014 after 6 years in Raiffeisenbank, Czech Republic, where he was responsible for financial management and controlling of the bank and its subsidiaries. Before working for Raiffeisen group, Mr. Humhal worked for eBanka (part of PPF group), Société Générale Group and Citibank in Czech Republic at various analytical and management positions.
Mr. Humhal holds an MBA from Joseph M. Katz Graduate School of Business, University of Pittsburgh, Prague, Czech Republic and Master’s degree in Finance from College of banking, Prague, Czech Republic.
Ms. Nguyen Thi Ai Nguyet joined Home Credit Vietnam as Chief Human Resources Officer in April 2011, leading an integrated function comprising of People and Culture. In addition to her years of experiences in HR, she brings in a strong organizational strategy capacity and in-depth understanding of the business to develop the company’s corporate culture, local management and internal capability. Before joining PPF Vietnam, Ms Nguyet held various senior human resources positions at international corporations such as P&G, Dai-ichi Life Vietnam, Paragon Solutions.
Ms. Nguyet is married with a daughter. In her spare time, she enjoys reading, cooking, and listening to music.
Mr. Arnab Ghosh joined Home Credit Vietnam in September 2016 as Head of Marketing and Product Development, bringing with him over 10 years of Financial Services Industry experience spanning Retail Banking and Credit Card Services across multiple countries. Before joining Home Credit Vietnam, Mr. Arnab spent 5 years in Vietnam working for major commercial banks setting up and managing their cards and retail assets business while also being instrumental in driving the banks' digital and innovation agenda. Mr. Arnab has also been actively engaged in independent advisory assignments for leading companies and consulting firms across Asia and is often seen as a guest speaker in key international conferences sharing his views on financial inclusion, payment innovation and digital transformation of financial services.
Mr. Arnab enjoys spending his personal time socially engaging with his friends, reading, watching movies and travelling
Mr. Jiri has over 15 year experience leading edge technology IT in various financial/banking organisation in Europe and in Asia for international behemoths like GE or Erste. In Homecredit Vietnam, Jiri¹s joy will be building agile data driven IT organisation, that will be able to quickly respond to ever changing environment for Homecredit¹s business growth.
Mr. Jiri is married with three sons. He is still human, loves technology and nature tracking.
Ms. Vuong Thuy Tien joined Home Credit Vietnam as Chief Legal and Compliance in May 2012 contributing strong expertise and experience in laws, banking and finance. Before joining Home Credit Vietnam, Ms. Tien had worked for some international banks, law firm and corporate, including Standard Chartered Bank, ABN AMRO Bank N.V., Credit Agricole CIB, Vincom Group and Baker and McKenzie International Law Firm.
Jan Fisar obtained a Master degree in Company Finance and Trade, and has 12 years’ experience in Marketing and CRM. He has held positions of CRM Manager in some of the top Czech telecom and finance companies like Vodafone, Telefonica 02 and GE Money bank. He is also experienced in running and processing projects related to activities in area of CRM and customer value management which will be valuable to Home Credit Vietnam future growth.
Mr. Jan is married and his free time he spends with family travelling. His hobbies are sports, especially swimming, travelling and reading.
Mr. Allan Meldgaard joined Home Credit Vietnam in March 2016 as Head of Online; bringing with him 16 years of extensive experience within Online Advertising, E-commerce, Analytics, Product Management and Application Development. Prior to joining Home Credit Vietnam, Allan developed an innovative Online Survey platform for Danish headquartered Epinion as well as served as Head of Product for Lazada Malaysia.
Mr. Allan spends most of his personal time with his fiancée and enjoys reading, cooking and travelling.
Ms. Bui Thi Ngoc Ha joined the board as Head of Quality Assurance with a mission to bring our business processes and projects up to the state-of-the-art level and delivering the outstanding service values to our beloved consumers. Prior to her current appointment, Ms. Ha has been playing on the consumer finance playground for 11+ years in various positions including Head of Process and Project Management (Orient Commercial Bank); Head of Service Quality Management (An Binh Commercial Bank); and Head of Process and Project Management (VP Bank).
Ms Ngoc Ha is married with one daughter. In her spare time she prefers spending time with her family. Her hobbies are traveling and reading.