IT Smart Finance

Smart and convenient financial services for everyone

IT Smart Finance is fast-evolving international fintech group. We’re pioneering fintech innovations on emerging markets. Our data-driven scalable platform along with unique double scoring system empowers us to offer customers the most tailored product avoiding high risk.

01
02
03
04
We’re one of Europe’s digital consumer lending groups, headquartered in Spain.
We use cutting-edge fintech trends and data science to provide fast and convenient loans to our customers
We give money to our clients whenever they need it
Since we were founded in 2014, we’ve issued over 113 000 Single Payment Loans for over €12 mln. total
About
  • Mission
  • Product
  • Strategy
  • Scoring
  • Video about us
    • Our mission is to provide an opportunity for our customers to improve their standard of living by using our services. We make access to our secure loan services simple and straight-forward.
    • In order to achieve that, we work hard to develop innovative projects in the digital finance industry and have created patented software solutions. We also pay special attention to the composition of scoring models and machine learning for our risk management system. This guarantees reliability for customers of and investors in our fintech services.
    • Single payment loan (up to 30 days)
    • Loan amount – up to €800
    • Possible loan extension – up to 30 days (by request)
    • Salvation for the circumstances when cash is needed immediately
    • Instant and convenient – loans are processed online so the customers get funds in minutes
  • Our expansion:
    CIS region
    2014
    Mexico
    4Q2019
    Spain
    2Q2019
    Brazil
    1Q2020
  • 01.
    We use innovative technology and data driven insights to provide that service – quickly, conveniently and responsibly.
    02.
    Cutting edge technology means that we can evaluate credit worthiness and approve a loan in seconds. It usually takes less than 15 minutes for money to be transferred to a customer’s account.
Team
Maxim Paschenko
Founder and President
Maxim is an international businessman experienced in innovative technologies and supportive of fresh, up-and-coming business trends. He has over 12-years experience in business management, having founded his first company in 2007. In a short time, Maxim has become one of the most well-known and successful entrepreneurs in his region. In 2013, he created a team of talented IT developers, which created a unique fintech platform for online consumer lending services. This platform is now the corner stone of several fast-growing fintech companies. Maxim studied engineering at one of the leading universities in Siberia, known for its powerful academic potential. He also gained financial and economic qualifications at the Moscow Business School. He enjoys winter sports and supports and promotes the protection of animals and the environment.
Ivan Sharafiev
Chief Business Officer
Ivan Sharafiev graduated from the ESERP School of Business & Social Sciences (Madrid, Spain) with a bachelor degree in Economics. He also has a master’s degree in International Relations and Foreign Trade from the Barcelona ESERP School of Business & Social Sciences.In 2015, he held the position of Assistant to the Deputy General Director of the Property Department of Gazprom Company.Ivan enjoys martial arts and has a 2 Dan black belt in Taekwondo WTF. He has also won multiple Asian and International championships.
Tatiana Kolodchenko
Chief Financial Officer
Tatiana is a finance professional with 15+ years of experience of assuming senior and top roles at Coca-Cola HBC, Johnson&Johnson and IDFinance. She holds MBA degree from ESADE (Barcelona), CIMA qualification (UK) and Master degree in Economics from Novosibirsk State University (Russia). Tatiana is true partner to the business who supports operations in delivering profitable and compliant growth. She is an expert in strategic and operational planning and mastered in aligment of company financial goals with targets across all functions and units. Tatiana used to live and work in very multicultural environment in various regions of the globe and she advocates diversity as an important driver of growth and creativity in any organization.
Marina Smirnykh
Board Member
Prior to joining IT Smart Finance, Marina has worked for more than 20 years in senior positions at major banks, such as Home Credit Bank, Sberbank (the No. 1 bank in Russia). During her career, Marina has remained focused on the consumer lending sector. Her vast experience in this area ensured fintech-company Joymoney, which she headed in 2014, became one of the most prominent and fast-growing brands in Russia’s online consumer lending market.Marina has a degree in managerial economics, enjoys a healthy, fitness-based lifestyle, devotes free time to home and family and supports charities that help terminally ill children and those with incurable illnesses and conditions.
Ilya Negots
Chief Operating Officer
Ilya has more than 5 years of broad experience in managing operational activities in financial sector. Prior to joining IT Smart Finance, he has held managing positions at banks within top-10, than headed operations at Joymoney – a fintech online-lending company. Ilya has a degree in corporate economics and management, while he is keen enthusiast of developing and implementing corporate initiatives targeted to boost operational performance. During his career Ilya has successfully implemented several projects that have significantly improved corporate performance indicators.
Vladimir Shepelev
Chief Information Officer
A qualified engineer-mathematician, Vladimir is a renowned talent in programming and creating scalable IT-systems. For 16 years Vladimir led the development team at MTS, the number 2 mobile operator in the CIS region. He is the author of several unique IT solutions and technologies. He loves mountaineering and his greatest achievement was reaching Mont Blanc (the highest point of the Alps), during a solo climb.
Maria Veikhman
Head of Risk
Maria has 15-years experience in IT-business along with more than 5-years experience in credit business. She has a math degree from Perm National Research Polytechnic University, MBA (e-business & e-commerce) from Yeditepe University, and Business Internship from Franklin University, USA. In 2013 Maria founded Scorista, risk management service for non-bank lenders, when she realized that is almost impossible to find high-quality specialists in credit assessment on the market. It provides instant credit decisions: "Approve" or "Deny" the credit with detailed explanation in each case and 93% forecast accuracy.
Investors

Rapid growth empowered through effective scaling strategy

Annual report & Annual accounts 2020

Annual report & Annual accounts 2019

Press
News

Nibble, the 2020’s project

Nibble is the new Peering platform based on the “peer 2 portfolio” model, that enables our customers to safely invest in non-bank lending products.This platform supports alternative lending solutions in different countries, offering a variety of portfolios to investors in a safe and transparent way, which will make operative to be more cost-effective. With Nibble you can invest in P2P loans through our loan originator: "Joy Money" , also part of the IT Smart Finance Group which is operating in Russia since 2014, Spain market since 2019 and it will be soon operating in Mexico in 2020. The platform works on a P2P basis. We put our customers first, that is why our platform is user-friendly and customizable. As the investment portfolio is generated automatically, there’s no need to manually search for new loans to invest in. Users can choose such criteria as transaction location and investment range. Investors are offered a buyback guarantee, meaning that the company that issued the loan is committed to buy back the loan on the 61st day if there is any delay. Additionally to our secure system and the possibility to choose the country of investment and investment amount limit, our customers are offered an open model of gaining profit. The are guaranteed to receive a return up to 12% per year, even if the loan repayment is delayed by more than 30 days.

Nibble
arrow_left

Joymoney, member of IT Smart Finance Group, obtained the official seal of “Online Trust”

We want to congratulate JoyMoney.es the lending company who belongs to the IT Smart Finance Group, for obtaining the “Online Trust” certification which verifies that our service guarantees the rights of our customers.

Websites with this seal demonstrate their commitment to good practices on the Internet. "Confianza Online" is the first private entity accredited in Spain by the General Directorate for Consumer Affairs for the alternative resolution of disputes in the field of Electronic Commerce, among others the AEPD, the Code of Ethics and the Community of Madrid.

To achieve this, the company had to undergo a rigorous analysis in compliance with the Code of Ethics. This is made up of a set of rules divided into four main areas:

  1. Protection of personal data.
  2. Electronic contracting with consumers (Electronic Commerce)
  3. Digital Advertising
  4. Protection of minors and adolescents

In this way, the company accredits higher levels of security and self-regulation, as our approach has always been to work with transparency, ensuring that our customers and investors feel supported by us.

arrow_left

International Women's Day and ITSF statement on staff continuous growth.

For celebrating the International Women’s day IT Smart Finance had a very special evening. All of the members from all of the companies were invited to honour their fellow female employees and women in general. Our president, Maxime Pashchenko, along with Marina Smirnykh, spoke about women and their role in the company. Marina gave some interesting facts on the percentage of women in leading jobs. The comparison between the russian numbers versus the ITSF holding, indicates how advanced in gender equality the company is. Our personnel has more females in executive roles than men, 54% opposed to 46% accordingly. Which is not usual in the fintech sector. Women were celebrated also for their adaptability to fast evolving scenarios and making their way for being present in every sector of the economy.

Following the recognition of adaptability as a valuable skill, this evening had a very inspiring highlight. In our president's participation, he made a very simple yet affirming exercise showing how common it is to deviate from what we once thought would be our professional life. ITSmart Finance understands that professions, conceived as in the past years are no longer valid. With more and more frequency, people are specializing and acquiring a miscellaneous set of skills to perform better or to stand out from the rest. It is common to study a career and not to work in the exact field. But to use some of the knowledge, hard skills and soft skills to build up a profile suited to branch off into a more appealing job than what was thought at age 18 or at the beginning of any programme.

In the search of our own path, IT Smart Finance, wants to contribute to achieve its personnel dreams through education and training. Therefore, it was announced that the company decided to cover 11 study grants for our staff to be more specialized. It would be up to the employees to identify their desired subject, for example, creative arts or a self development discipline. This will help them with the tuition of the programme in any particular field that may have evolved very quickly or to develop a specific skill. All of these new skills and knowledge will enrich them individually as well as make them better professionals.

After all of these good news we could not do anything else but to make a toast. What a fine way to celebrate women and our staff!

arrow_left
Contacts

IT Smart Finance Headquarter:

Aribau 195 3E, Barcelona
08021, Spain

Tel.: +34 649 831 938

E-mail: info@itsmartfinance.com