Home Credit Group (Home Credit B.V. and its subsidiaries) is a leading mass market consumer finance provider with €14.7bn of assets; which was established in 1997 in the Czech Republic. Since then it has experienced considerable growth in 11 countries including Rusia, Belarus, Czech republic, Slovakia, Kazakhstan, China, Việt Nam, India….. Our 120,000 employees serve more than 70 million customers.
Home Credit Vietnam officially operated in Vietnam since 2009, is one of the leading companies in the consumer financial field with 3 outstanding benefits for customers: fast, convenient and friendly. Home Credit now has the headquarters in HCMC and representative offices in 10 provinces nationwide.
In Vietnam market, Home Credit is now one of leading consumer finance companies. After 8 years of operation, Home Credit has built the network of 7,000 retail outlets in 63 cities and provinces nationwide.
With more than 10,000 employees nationwide, Home Credit has served 6.76 million customers in Vietnam with 03 main products: Installment loans to buy motorbikes, Installment loans to buy consumer durables, and Cash loan. In addition, in order to create biggest convenience for customers to make payment, Home Credit has cooperated with many payment method providers, namely Payoo with 3,000 transaction points, MoMo with 4,000 transaction points, Viettel stores, postal system, and banks having transaction network nationwide.
Home Credit constantly develops diversified products which satisfy customers’ expectations including low-interest loans or 0% interest rate, flexible tenors, low monthly payments. In addition to our attractive products, Home Credit customers also enjoy the best customer service and devoted from our professional staffs, simple documents, fast approval time.
Upon the approval of SBV dated on October 30th 2017, Dmitry Mosolov was officially appointed by Home Credit Group to the position of Chief Executive Officer of Home Credit Vietnam Finance Company Limited.
Mr. Dmitry Mosolov has an extensive experience of over 23 years in financial and retail banking sectors in Russia, with 15 years of these in senior management roles within Home Credit. He has worked for Home Credit from the very start of its operations in Russia in 2002 when it entered this market.
Before being named CEO of Home Credit Viet Nam, Dmitry was First Deputy Chairman of Management Board in Home Credit & Finance Bank in Russia and was responsible for all of the company’s nationwide sales and operations, including managing different functions, such as Operations, Telesales, Call centers, Business analytics, Project office and CRM. He also served in various positions as Head of Corporate Lending, Head of Financial Planning and Controlling and Chief Financial Officer that played a vital role in sustainable development of Home Credit & Finance bank in Russia.
Prior to joining Home Credit, Dmitry was in charge of different senior management positions at Gazprombank, MENATEP Bank and FABA Bank - Russia.
Dmitry is a graduate of the Moscow Institute of Economics and Statistics and holds a Masters’ degree in Economics and Banking. He also has an MBA from the Rochester Institute of Technology.“
Mrs Anna Pozdnovskaya had joined HCVN from April 2017, with solid experience in retail (over 6 years) and FMCG (10 years), Experience in Trade Marketing , Demand Planning, Understanding of all business processes and cross-functional work.
Before joining to HCVN, Mrs Anna used to work as the CFO&VP Finance at Eldorado LLC (electronic retailer, number 2 in Russia), and keeping many important position at DIAGEO Great Britain company.
She married, she loves long-distance running and swimming, books reading, cooking and travelling
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 Badr has joined Home Credit Vietnam as Head of Sales since Dec 2017.
Jiri has long term experiences in developing business on new markets with more than 18 years in Consumer Finance and Insurance industry.
He has also held various senior management positions in different countries including Slovakia, Kazakhstan, Belorussia and Russia. Especially, he has significant achievements in developing, implementing and operating various start-ups and business projects.
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.
Mr. Tran Manh Duc has joined Home Credit Vietnam as the Chief Legal and Compliance Officer since February 2017. He is responsible for and lead the Legal and Compliance team in giving legal advices to all aspects in the business of the company as well as ensuring the company stay compliant with all regulatory and internal regulations and policies.
Before joining Home Credit Vietnam, Mr. Duc practiced laws for 10 years at YKVN Lawyers, the leading Vietnamese law firm in the market. At YKVN Lawyers, Mr. Duc held the “Counsel” position with his practice focused on banking– finance, capital market and M&A.
Mr. Duc holds a Bachelor of Laws (LLB) granted by HCMC University of Law. Other than the LLB, Mr. Duc has received training at UC Berkeley School of Law as an exchange scholar and also been granted with and Business Management Certificate by the HCMC University of Economics.
Mr. Duc is married with one daughter. He loves technology and enjoys his leisure time in readings and photography.
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.
Mr Ondrej Mares’s background is applied mathematics; he graduated Ph.D. at universities in Prague and Paris before working in a Czech bank as a scoring expert.
He joined Home Credit International risk team in 2008 and participated in various projects across the group. During years 2011 – 2013, Ondrej worked as a Risk Manager in Vietnam, managing analytical teams of underwriting, anti-fraud and collections. During following 4 years he was assigned in managerial roles in Prague headquarters, coordinating underwriting and anti-fraud activities across all Home Credit countries.
Since August 2017, he is responsible for leading Risk and Collections Department in Vietnam as a Chief Risk Officer.
Mr. Branislav Vargic (Brano) joined Home Credit Vietnam as Chief Operations Officer in Sep 2017. Mr. Brano holds Ph.D in Management and Organizational Development and studied at Erasmus University, Netherlands, Cornell University in the USA and IESE Business school in Spain. Brano brings to Home Credit diverse professional experience.
For the last 6 years he held various leadership positions in Raiffeisen Bank International group in the Czech Republic and Slovakia.
His latest engagement was Mergers and Acquisitions Program manager, responsible for a Business Integration of acquired Citibank retail business in the Czech Republic. Prior to that, he worked for 5 years as a Head of HR for Raiffesen Bank in Slovakia.
Before Raiffeisen Bank International, he worked for 6 years as a managing consultant for the global consulting company Hay Group, where his areas of expertise included organizational and business operating models, organizational performance and others.
Brano is married with 3 children. In his spare time, Brano likes to play musical instruments, spend time with his family and travel.
Mr. Ao Trung Hau joined Home Credit Vietnam in middle 2011. He served in various positions in Security Dept as Security Project Manager, Investigation Manager and Security Manager that played a crucial role to control the risk rate. In 2016, he was appointed to be a member of board of directors of HCV, responsible for the Security and Safety of both assets and personnel at all company’s premises as well as the fraud detection/prevention/fighting internally and externally.
Mr.Hau has almost 18 years of experience working in security industry at both local and international organizations. Before HCV, he had held different senior managerial positions at Visit International Supporting Security Solutions and Techcombank.
He enjoys his leisure time in swimming, reading and cooking.
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