Leadership

• Florin Bâlcan — Country Manager / Chief Executive Officer (LinkedIn)

Short Introduction

Provident Financial Romania is a non-bank financial institution providing consumer-credit products through digital channels and a personalised home-service model.

About the company

Operating in Romania since 2006, Provident is part of International Personal Finance plc. The company focuses on consumers who need relatively small, accessible and clearly structured credit products.

Provident combines online application and account-management capabilities with optional personal assistance delivered through its representative network. Its activity is focused on responsible consumer lending and financial inclusion.

Products & Services

• Unsecured personal loans
• Online and digital consumer loans
• Home-service loans with optional representative assistance
• Loans for existing customers
• Partner and point-of-sale financing
• Digital account and repayment management
• Credit-card products, including ProviCard
• Customer-support and financial-education initiatives
• Ancillary insurance products, where available and legally permitted

Licences & Regulatory Status

Provident Financial România IFN S.A. is registered with the National Bank of Romania as a non-bank financial institution. Public company information references:

• General Register: RG-PJR-41-110178/03.06.2020
• Special Register: RS-PJR-41-110099/03.06.2020

Provident is not a bank and cannot accept deposits from the public. Its lending activity is governed by Romanian legislation applicable to non-bank financial institutions and consumer credit, together with AML, consumer-protection and data-protection requirements.

Any insurance products are distributed under the applicable insurance-distribution arrangements and should not be presented as insurance issued by Provident itself unless expressly stated in the product documentation.

Sources: Provident Romania, IFN credit information