“ We ’ re helping citizens of all ages . Finally , they can save money for what matters most ”
ANASTASIA FOKINA CHIEF OPERATIONS AND DIGITAL TRANSFORMATION OFFICER , HOME CREDIT VIETNAM
same approach . ‘ We manage to be both agile and customer-oriented ’, Anastasia explains . ‘ To do so , we select partners that not only share our business , but also share our values . That ’ s the base for a successful partnership — stronger together ’.
Agile Yet Responsible How does Home Credit Vietnam look after its customers ? First , it offers loans based on a strict , automated evaluation process . The company leverages a credit scorecard , which is built on statistical models and many different factors to assess creditworthiness , helping customers avoid taking on too much debt . As a result , Home Credit has the lowest nonperforming loan ( NPL ) rate in the Vietnamese consumer finance market . The ratio has been maintained at lower than 3 %, which is not compulsory but encouraged by the State Bank of Vietnam ( SBV ).