The microfinance market, despite the difficult economic situation in the country, is at the top of its development. Due to microloans that people get to realize their goals, private financial institutions manage to earn high interest rates, which allows them to expand their business, enter new markets, and attract more customers.
The peculiarity of microloans is that they can be issued for completely different purposes and, at the same time, do not have that strict set of selection criteria for a debtor that determines loans for a car or, especially, for housing. Roughly speaking, loans for small amounts are issued to almost everyone in a row, due to which it is a dynamically developing market in which there are dozens of large companies.
We will talk about one of these in today's article. This organization is a true leader in microcredit in our country. And we are talking, of course, about the fairly well-known organization "RosMoney."
We will talk about the nature of its activities, areas of work, values ​​and principles, as well as provide feedback from RosDengi employees in order to understand how the company works from the inside.
general information
You should start by identifying some of the most common information regarding the activities of this organization. So, let's start with the numbers. The company was founded in 2010 (reviews of RosMoney employees confirm this), therefore the organization can safely be called “young”. Today, the structure operates in more than 100 cities of our country in 33 regions. This is a serious characteristic, noting the ramified geography of the structure. In total, the company has more than 300 offices and representative offices. In each of them, customers can receive the full range of services offered by the organization. Read more about what falls into this category.
Basic Services
The main vector of work (reviews of employees of "RosMoney" confirm this) the company calls the issuance of microloans. According to the information on the site, the organization provides short-term loans in small amounts (from 1,000 to 30 thousand rubles). The term for repayment of debt for the recipient of such a loan is within the “plug” - from 7 to 17 days.
However, the company has a fairly flexible policy regarding debtors, allowing, if necessary, to extend this period.
According to the reviews we found about the employer of RosDengi (and official information only confirms this information), over the entire period of activity, the structure served more than a million people. This shows the full extent of the organization’s activities and how well it is represented on the market.
Debt service
According to the specifics of its work, in addition to the main direction, the structure also conducts secondary activities related to the optimization of debt obligations, informing and supporting customers. In particular, as noted by RosDengi employees, the structure is also engaged in other types of work, such as sending notifications, providing clarifications on certain issues, and so on. Perhaps, this also includes legal support provided by the company to its clients.
That is, as the comments of RosDengi employees note, the company works not only on one narrow profile, directly related to lending, but covers a slightly wider range of activities.
Borrower Requirements
In order for a person to understand whether they will give him a loan or not, an approximate list of requirements for a candidate is posted on the company's website. It is important to note that he is flexible enough and not too “picky” to the future debtor.
So, to get a loan in the company, you must be a citizen of the Russian Federation, no younger than 18 and no older than 70 years, and also have a certain fixed income in order to be able to pay off your debt. All this information, along with the correct passport data, a person must provide to the company, after which he will be informed of the result.
As noted in the information about the company, out of 10 applications for a loan, 9 were confirmed. Now, looking at the requirements for the borrower, we can say that this is not surprising.
You can understand this approach of the company. Unlike other types of lending, microloans relate to working with relatively small amounts of money, which in itself reduces the risks for the organization and makes it possible to earn at high interest rates.
Work in a company
However, we will leave a description of the company’s activities and proceed directly to the description of employment and further work in the structure of the organization. Indeed, judge for yourselves, it’s quite difficult to support the activities of such a large company represented throughout the country - this requires the involvement of a huge number of staff and debugging of interaction and understanding with each of the employees. How managers and leaders of the structure manage to organize the process in such a way that each employee feels in his place and, at the same time, can contribute to the development of the business - read more about this. We will analyze the reviews of the company’s employees, which were left about RosMoney (Russia), by which we can understand these and other details from our experience.
To find information from those who already have experience here, it was not difficult for us, people are willing to share their impressions.
Jobs
First of all, to understand who exactly works in the microloan agency, we will analyze the vacancies left on recruiting sites. This company, in particular, has its own page, which lists in detail all available positions, depending on the city where the applicant lives. In large settlements, as a rule, there are much more vacancies. This is confirmed by the employee reviews we found about RosMoney. SPB is the city in which the company first began its work, therefore there is a central office, where there are even more empty seats.
For example, at the time of writing, 58 vacancies were open here. All of them are presented in different categories (marketing, IT-sphere, personnel administration, accounting and others). Most of all open positions, of course, in the category “Banks, Leasing and Investments” - more than 40 specialists are looking here. Having opened the list of vacancies, we see that both credit specialists, and sales managers, and customer service specialists are required . The employee reviews we found that describe RosDengi (Saratov) confirm that the situation is the same there.
Requirements
What skills should a person have in order to get to work in the company we are describing? Of course, each of the posts has its own selection criteria, according to which the employer will be guided. They are clearly written out in a separate list, and you can see them after clicking on the vacancy link. In particular, in order to become a manager for the sale of credit products, you need to be able to communicate with customers, have documentation skills, and also be able to organize yourself to work in the most productive mode.
It is also expected that the employee has some experience in the field, is able to quickly learn something new for himself and acquire the missing skills, knows the art of communication in conflict situations, has a definite goal and is ready to do everything in order to achieve it.
Apparently, such requirements are inherent not only to RosDengi LLC. The reviews of employees of many other organizations (including those from other fields of activity) indicate similar requirements for their staff. It is normal to look for a sociable, purposeful and easily trained employee.
Job interview
Before you get to work, you must go through an interview. This is a normal stage in any employment process, because with it, the employer is able to evaluate you and understand how you fit him as a person. Employee reviews describing RosMoney note that the organization also conducts interviews and, sometimes, it can not only determine whether a particular employee of the company is suitable, but also understand whether a person wants to work here. At least we managed to find reviews in which people complained about the questions they were asked (they say they did not relate to the topic of employment); someone did not like the person conducting the interview and so on. Accordingly, the applicants understood that this work was not suitable for them and left.
Working conditions
Describing what constitutes work at RosDengi, employee reviews often complain about too little office space and uncomfortable working conditions. This is partially true, because, indeed, the company has different formats of offices. For example, there are representative offices decorated in the form of MAFs standing on the street. Of course, there is much less space in it than in a full-fledged office center - due to which such work is not suitable for everyone.
Specify where you will work before submitting your candidacy for a particular position.
Salary
Remuneration of labor is a separate issue that interests every employee. There is nothing surprising in this, because we really determine our attitude to the vacancy, based on how much we are ready to offer for the performance of certain functions. The same applies to labor at RosDengi. Employee reviews (Moscow) note that they pay well if the candidate is ready to really try and make every effort.
That is, the really promised salary (and for a sales manager’s vacancy, for example, it reaches 25 thousand rubles) can be obtained if you perfectly fulfill the plan and properly demonstrate your knowledge and skills. If you do not try, nothing will work out: they will remove the allowances and, as a result, the payment will become less than the declared amount.
General impressions of work
So, what can be said as a whole about working for RosMoney? Employee reviews about the employer, analyzed by us, give a very positive impression. We are dealing with a rapidly developing company, and this indicates the possibility of career advancement and new prospects. On the other hand, the company has an understanding of how to work seriously. The reviews show that there are instructions on different situations, there are manuals on a particular issue. With them, even a novice employee will figure out how to proceed further.
Therefore, in order to summarize the information laid out by us, we note that the company is friendly to beginners, it makes it possible for more experienced specialists to develop, therefore we would recommend that applicants in the relevant specialty be considered as their next place of work.