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Финансовата функция - част от ядрото на операциите в Кредисимо АД

09 май 2017, 1031 прочитания

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Кредисимо АД e дружество с иновативен бизнес модел, креативна концепция за своите продукти и пазари, дългогодишен лидер в сферата на онлайн микрокредитирането. За иновативните проекти в компанията и ролята на финансовата функция при тяхната реализация разговаряме с Ивелин Камбуров, главен финансов директор на Кредисимо.


Ивелин Камбуров, Кредисимо

Ивелин Камбуров е главен финансов директор и член на Съвета на директорите на Кредисимо АД. В дружеството е заемал и длъжността на директор за връзки с инвеститорите. Предишният му опит е натрупан в банковия сектор, където е изпълнявал разнообразни функции в областта на управленската информация, финансовата и регулаторна отчетност, методология и консолидация. Участвал е и в дейността на одитен комитет на банка. Професионалният му опит се допълва от работата му в компании от т.нар. Big 4 в България и чужбина, където е заемал различни позиции в отдели за външен одит на финансови институции, като сред клиентите му са предимно банки, пенсионни фондове, асет мениджмънт дружества и фондове, лизингови и факторингови дружества, дружества за потребителско финансиране.
Притежава международно признатата квалификация ACCA и е пълноправен член на The Association of Chartered Certified Accountants, Великобритания. Носител е на наградата CFO of the Year 2016 в категория „Ликвидност и риск“ на организирания от EY България и списание Forbes едноименен конкурс.

Г-н Камбуров, какви са основните принципи, които следвате при финансовото управление на Кредисимо?
Специфичните особености на финансовото управление при нас са свързани с това, че Кредисимо е ФинТех (FinTech) компания и една от най-бързо развиващите се финансови институции в своя сектор. Това е силно ориентирана към потребителите организация. И тъй като секторът е доста конкурентен и динамичен, компанията трябва постоянно да предлага иновативни продукти и да търси начини за усъвършенстване на операциите си. Всичко това рефлектира върху финансовата функция, която е част от основното ядро на операциите, тъй като в институция като нашата всичко се гради на основата на финансовия продукт и на неговото структуриране по начин, по който той да може в максимална степен да отговаря на нуждите на клиентите и да бъде търсен.

В този ред на мисли финансовото управление цели компанията да има постоянно достатъчно ресурс, с който да обезпечава своята дейност. Това изисква наличието на точна, надеждна и бързо достъпна информация, която да може да се обработва както за анализи във връзка с вземането на стратегически решения, така и при стартиране на различни кампании и въвеждане на нови продукти.
В същото време се стремим финансовата функция да обезпечава дългосрочното стратегическо развитие, посредством стратегическо планиране и прогнози. Целите, които си поставяме в по-дългосрочна перспектива, трябва да преведем в по-краткосрочни, всекидневни задачи. 


През 2016 година бяхте победител в една от категориите на конкурса CFO of the Year. Какви са добрите практики, които ви донесоха това отличие?
На първо място бих искал да споделя изключително позитивното си мнение за организацията на този конкурс. Тази инициатива дава възможност на финансовите специалисти да покажат своите постижения и добри практики, дава възможност да се споделят идеи и в крайна сметка да се създаде общност от финансови специалисти, в която те да могат да взаимодействат и да се развиват професионално.   


Конкретно моето отличие бе в категория „Ликвидност и риск”. Добрите практики по отношение на ликвидността са свързани с въведените в Кредисимо политики и процедури за преструктуриране на задълженията на дружеството. Дълговият капитал, който Кредисимо използва, от множество на брой малки източници на финансиране, които изискваха по-голяма доходност, беше преструктуриран в по-малко на брой и по-големи кредитори, което позволи и оптимизация на средствата, които ние им изплащаме.  
След това беше въведена и доста стройна система за контрол на разходите и оптимизация на оборотния капитал. Това ни даде възможност да имаме по-стриктен контрол върху излизащите от дружеството парични потоци. В същото време имаме по-точна представа за постъпленията, които очакваме от всички източници. Така можем да планираме адекватно ликвидността на дружеството. Резултатите в края на годината показаха, че с този нов модел дружеството успя да генерира доста повече средства, които  използва, за да финансира своята дейност и съответно да намали частта на заемния капитал.  

По отношение на управлението на риска се въведоха практики, допринасящи за оптимизирането на управлението на кредитния портфейл на дружеството – това е основният генератор на риск в дейността. Бяха въведени различни процедури, нови анализи, сегментация на различните типове клиенти, както и модерен скоринг модел, който още в началото достатъчно точно оценяваше риска от бъдещи просрочия. Всичко това в комбинация с подобренията в кредитния процес и модела за оценка на кредитите доведе до отлични резултати. В допълнение бяха въведени различни кампании, с които да се подобри събираемостта и като цяло подобри управлението и качеството на кредитния портфейл. 
Като признание за положителния ефект от въведените процедури можем да отбележим това, че Кредисимо стана първото дружество в сектора, което получи оценка от Българската агенция за кредитен рейтинг (БАКР). В края на миналата година този рейтинг беше подновен и повишен, което показва, че принципите, които следваме дават добри и устойчиви резултати. 
 
Какви са предизвикателствата пред вас, откакто ръководите финансовата функция на Кредисимо и как ги преодолявате?
Най-общо бих разделил предизвикателствата в две групи – външни и вътрешни (оперативни).  
Към външните предизвикателства спадат всички регулации, на които сме подложени. Нашият бизнес е сред най-стриктно регулираните. Аз лично приветствам това, тъй като когато има адекватен и добре упражняван контрол резултатите на всички дружества в сектора са по-добри и неблагоприятните практики нямат почва за развитие. 
Друго външно предизвикателство е изключително конкурентната среда. В сектора има доста дружества – всички те са достатъчно модерни, а повечето са част от големи международни групи. Това неизбежно създава една доста силна конкурентна среда, която ни задължава постоянно да бъдем иновативни, инициативни и да се опитваме да бъдем поне крачка напред от общите тенденции на пазара. Въпреки че в продължение на няколко години сме лидер в пазара на онлайн микрокредитирането, не можем да си позволим да разчитаме на стари лаври и продължаваме да полагаме усилия, за да поддържаме нивото си в тази среда. 
В последните години предизвикателство за нас бе и това, че Кредисимо  стана първата компания от сектора, листвана на Българската фондова борса. Превръщането ни в публично дружество беше свързано с необходимостта от въвеждане на по-добри практики за корпоративно управление и прозрачност и това определено представляваше сериозна задача.  
Подобни предизвикателства преодоляхме и във връзка с процеса за присвояване на кредитен рейтинг. 

Допълнителни предизвикателства към финансовата функция произтичат и от това, че към момента стратегията на фирмата се развива към експанзия на чужди пазари. През миналата година стартирахме дейността си в Македония и вече сме сред лидерите в пазара, въпреки че в него има и компании с дългогодишно присъствие. Поставили сме за цел да навлезем и в пазарите на други страни. Това поставя много задачи пред финансовата функция, тъй като тя е в основата на стратегическото планиране и на структурирането на една такава дейност.  
Едно доста важно предизвикателство произтича и от мисията, която сме приели – да създаваме практики в областта на отговорното кредитиране. Нашите усилия през годините в тази насока се увенчават с успех. Можем да се похвалим с 96% удовлетвореност на клиентите, което считаме за голямо постижение. В изпълнение на тази мисия през 2014 г. Кредисимо стана един от съоснователите на Асоциацията за отговорно небанково кредитиране. В това сдружение към момента членуват 6 компании, които спазват общ етичен кодекс, дефиниращ минималните стандарти за добри практики на кредитиране във връзка с взаимоотношенията с потребители. 

Може би най-голямото вътрешно предизвикателство за мен бе изграждането на добре работеща финансова функция в дружеството, надграждаща съществуващия счетоводен отдел, който се занимава предимно с оперативни задачи. Необходимо беше да изградя финансов екип, който да започне да се позиционира като център на повечето процеси в компанията и да се превърне в сериозен бизнес партньор на ръководството, така че да бъде максимално полезен във всички процеси и да добавя стойност. 
Към момента успяваме да постигнем тези цели и финансовият отдел е в ядрото на дейността на компанията. Участваме във всички основни проекти, заедно с колегите от другите отдели и това дава добри резултати.

 
Какви инициативи, насочени към въвеждането на иновации, се реализират напоследък в компанията?
 
В Кредисимо цялостният процес на кредитиране и усвояване на средства от клиентите е в голяма степен автоматизиран. Всичко се случва буквално за минути – от момента, в който клиентът подаде заявка за кредит, до момента на одобряване и усвояването му. Въпреки това постоянно търсим възможности да подобряваме все повече този процес. Една иновативна технология, която въведохме наскоро, осигурява светкавична проверка на банковата сметка на клиента, по която той желае да получи своя кредит. Тази проверка се осъществява с помощта на комуникация с външно приложение, наречено Instantor, интегрирано за първи път в България от нас, в нашата основна информационна система. Разбира се, такава проверка се изпълнява само при съгласие на клиента. По този начин допълваме информацията за кандидата за кредит – добрата история на неговата банкова сметка е аргумент в полза на одобряването, така че посредством тази технология, процесът на отпускане на кредит за част от клиентите допълнително се ускорява. Освен това с такава проверка става ясно дали сметката, по която ще бъдат преведени средствата, е действително на съответното лице, което от своя страна спомага за  предотвратяването на измами. 

Също така наскоро въведохме още една иновативна услуга – чатбот за заявяване на кредит, който е достъпен във Facebook страницата на дружеството и приложението за комуникация Facebook Messenger. Тя e изцяло разработена от ИТ екипа на Кредисимо и е базирана на задълбочен анализ на поведението и комуникацията с потребителите. Чатботът задава на клиента различни въпроси – от какъв тип продукт се интересува, за какъв период и т.н. На практика чатботът попълва всички необходими за процеса на кандидатстване за кредит реквизити и така спестява време на клиента, като се има предвид, че в много случаи отпускането на кредит се забавя именно заради некоректно попълнена информация и необходимостта тя да бъде уточнена. 

Като цяло въведените в Кредисимо системи и алгоритми осигуряват почти  автоматично отпускане на кредити за голяма група клиенти, спестявайки много време и усилия на служителите на компанията, което им дава възможност да обърнат повече внимание на клиентите, за които е необходимо събиране на допълнителна информация.  

В каква степен бизнес резултатите на една компания зависят от доброто финансово управление?
Бизнес резултатите със сигурност зависят силно от доброто финансово управление, защото преди всичко добрите резултати се постигат, когато са взети правилните решения. А те се взимат на базата на добър анализ и точна информация. Основната отговорност за това носи именно финансовата функция. Когато финансовата информация е добре структурирана, точна и бързо достъпна, и се проведат анализи, които са достатъчно адекватни на оперативните цели, това определено е от полза. Добрият анализ трябва не само да съдържа правилните цифри, а да бъде разработен с отчитане на потребностите на човека, който ще го използва. За да бъде подготвен такъв анализ, трябва задълбочено да се познават всички процеси в компанията. Точно затова в организацията трябва да има добра финансова функция, която е в състояние да бъде бизнес партньор при управлението на стратегическите цели.

Върху какви аспекти от работата на финансовите отдели считате, че е важно да се обърне внимание сега, за да се осигури успешната им работа в перспектива?
Напоследък всички говорят за автоматизация, дигитализация, роботизация. Безспорно това са тенденциите, които навлизат в индустрията. Несъмнено всички сфери, които са свързани с управлението на големи бази данни и информация, рано или късно ще бъдат засегнати от тези тенденции. Вече всички се интересуват от технологии за обработка на големи обеми от данни (Big Data) и бизнес анализи (Business Intelligence). Редица консултантски компании създават приложения, базирани на тези технологии, които оптимизират техническата работа, свързана с анализите, както и времето, необходимо за извличане на необходимата информация.

На този фон според мен е изключително важно да се инвестира не в хора, способни да вършат просто рутинна работа, която след няколко години би могла да бъде извършвана от някаква програма, а в хора които са таланти в своята област, които имат креативно мислене и могат да създават нови неща, дори когато процесите в компанията са силно автоматизирани и оптимизирани. Такива хора ще бъдат необходими за екипите, които ще надграждат процесите на дигитализация и ще създават утрешните иновации. Лично аз изповядвам идеята, че поддържането и изграждането на добър екип е от първостепенна важност. 
Въпросите зададе Надя Кръстева

КОМЕНТАРИ

 
  
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