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StikCredit .pdf



Original filename: StikCredit.pdf
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stikcredit
Data Driven Capital Allocation

Business Overview
October, 2018

EU Registered Company
VAT No. BG202557159
BNB licensed

ABOUT US
We serve the needs of the underbanked.
STC is an innovative non-bank financial institution established in Bulgaria (2013) to
fill in the existing gap in personal lending. We provide unsecured loans to
individuals in the range between 50 and 2500 euro for a period of up to 24 months.

from 50€
to 2,500€
up to 2 yrs.

At STC we take risk seriously.
Risk management takes a central role in managing our organization. Build upon
accumulated consumer data that expands over half a decade, we have developed
proprietary scoring algorithms to make sure our loan portfolio always stays within
our preferred risk limits.
Our state of art technology allows us to track and monitor key metrics in real time,
allowing us to make instant adjustments in our effort to maximize return to
investors.



State-of-art
technology



Proprietary scoring
algorithm



Real time risk
assessment

We put our money where our mouth is.
Since inception the company has been backed 100% by the equity of the founding
shareholders. We have no borrowings or external funding – we risk our own capital.

100% backed by
shareholders’ capital

2/10

OUR VALUES

A responsible lender.
Responsibility is embedded into the very fabric of our
business. As an innovative organization with a significant
social impact we are obligated to take into consideration
and to find the proper balance between the interests of
our customers, employees and associates.
With this approach in mind we have made sure that over
the years we manage our business in a transparent and
responsible manner.
We have established ourselves as a reliable business
partner and we strive to serve as an example for high
ethical standards. Excellent customer and employee
satisfaction are top priority for us.

3/10

QUICK FACTS
Scalability – quick and straightforward process.
We run our business on proprietary platform that allows us to quickly scale operations and to
add new outlets with maximum efficiency. Our technology offers great automation of
business processes and provides us with a significant strategic advantage in terms of
customer acquisition, risk assessment and payment collection.

We have produced excellent results.
Loan
amount

Employees

26
2013

Established

5
24

Days
Up to
months

Loan
period

€50
€2 500

CAGR

42%
€277

Average
loan

4/10

SALES CHANNELS: ONLINE
We established our online presence in 2016 launching a website that has been
integrated into our technology and helps us leverage on the extensive market
information that we have acquired over the past several years of operation.

We are visible.
We added over 20,000 new clients this
year alone from our online channel.
Thanks to our expert SEO team we rank on the first
page in Google for all keyword searches. This drives
major traffic to our website.

• Simple, three clicks application process.
• Customer support ready to answer inquiries in an
instant (telephone and chat).
• Standardized and automated procedures.
• Clients have access to real time information on

their outstanding liabilities.

5/10

SALES CHANNELS: OFFLINE
We have concentrated our operations in Bulgaria with 15 offices strategically
placed in 12 different locations. We have access to 1/3 of the country’s population
and we have plans to further expand our reach by adding four new offices to our
network in 2018.

• Access to 1/3 of the population through physical
network.
• Carefully

selected

locations

to

minimize

competition forces.
• Strong relationship with clients based on trust and
transparency.
• Localized collection practices fit customers’ needs.
existing

planned (2019)

Sofia, Shumen, Novi Pazar, Varna, Kaolinovo, Isperih, Dulovo, Todor Ikonomovo, Orlyak, Belogradec 6/10

KEY FIGURES
Our business has been growing with a healthy rate thus far and in the past year we observed a
further acceleration in growth. We have also improved our performance across all risk indicators.

• 7.2

mEUR – the amount of loans we have issued to date.
• The number of applications increased over 3x between 2014 –
2017.
• In 2017 we processed over 21,000 applications. We received
over 45,000 applications in the past 10 months alone.

277 EUR
:average loan size
5.19 months :average loan period

The number of issued loans has increased
over 2x last year. CAGR is 38% and we
observe acceleration in growth.
Number of issued loans,
in thousands.

The amount of issued loans increased 2x
in 2017 to 1.9 mEUR, with CAGR of 42%
for the period between 2014 – 2017.
4,2
Amount of issued loans,
in mEUR.
3,4

15
12

1,9
6,9

1,9

1,9

2,9

2014

2015

2016

2017

1,0
0,5

0,45

2014

2015

2016

2017

2018

2018

7/10

CUSTOMER ACQUISITION

A streamlined process for excellent results.
We have developed a streamlined customer acquisition process and our customer data is processed
automatically almost entirely. We acquire our customers using a mixed approach via our website, our
office network and through partnerships with third parties. We also have put in place a robust CRM
platform to ensure our clients receive the attention they deserve and that they stay with us.

OFFLINE
&
ONLINE

PHYSICAL NETWORK
WEBSITE
AFFILIATE

STIK CREDIT



FUNDS

LOAN AGREEMENT3

IN OFFICE
ONLINE



Fraud prevention
Vetting procedures
Scoring and risk
assessment
Preparation of offer and
documentation

Our underwriting platform pulls in data from multiple unique data sources which, coupled
with robust cross-reference vetting procedures, allows us to come up with a realistic
forecast about the risk profile of each applicant.

8/10

CUSTOMER PROFILE

49% 51%
men women

The majority of our clients have a
secondary education.
% of total
elementary

15

Typical age between 30 – 45 years old.



Earnings are within the low to medium
income bracket



Usually with poor access to financial
products and services from banks.



Money is borrower to meet current needs
or for impulsive purchases.

61

secondary

university



24

9/10

CONTACT US
HQ Address:

Bulgaria,
9900 Novi Pazar,
16 Vasil Levski Str.,
Building 2, Floor 4

Telephone:

+359 898 840 824

E-mail:

sns@stikcredit.bg
www.stikcredit.bg

Registration:

VAT BG202557159
UIC 202557159
License No. BGR00370

10/10


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