Today, citizens make many purchases through various online portals. It is much more convenient and there is no need to spend a lot of time traveling, selecting and searching for the right product. All you need to do is open a browser and choose one of thousands of stores in the country and the CIS. Such online communities strive to improve the services offered and for this they introduce various modern technologies that make the purchase process more convenient and faster. One of the modern systems is POS. This technology allows you to purchase products on credit through intermediary servers.
Reviews of “Direct Credit” indicate that the company is engaged in servicing an online store in the field of issuing loans. The organization is one of the leaders in the domestic market for the provision of such services. Two of its major information processing centers are located in Moscow and Novosibirsk and almost round-the-clock accept applications and distribute them to various banks and other financial institutions on-line. This makes it possible for an online store client to receive several loan approvals for the purchase of a product within a few minutes.
How the system works
Additionally, reviews of Direct Credit note that cooperation takes place on favorable terms. The company seeks to expand its business and offers various forms of service both for small online stores and for sales networks located throughout the country. The organization’s workflow when accessing Internet portals to it is quite simple. First of all, a company that wants to connect online lending services should contact the organization’s official representative office and draw up the necessary application.
Next, a company specialist contacts the online store and conducts a free consultation on possible formats of cooperation. Based on the adopted CRM system, agreements are concluded with various banks and microfinance institutions through the organization.
After that, Direct Credit employees go to the owner of an online store or outlets in order to integrate with cash register software, connect a bar-coding system, and transfer all these technologies to the Internet portal. In the end, you will need full authorization of online stores, banks. If necessary, training is provided on working with the software that the company provides.
Reviews about Direct Credit LLC also indicate that all work is carried out on the organization’s official website through a dedicated personal account. It is convenient and, if necessary, you can see any connected options, as well as track counterparties and those financial institutions that will deal with further lending to customers of online portals.
Company's mission
Reviews about “Direct Credit” of partners and banks in most cases are positive. According to representatives, the organization’s work patterns are transparent and understandable. To carry out its activities, the company uses only its own software, which is integrated into online stores and allows you to synchronize them with various banking and financial institutions. This solution is quite convenient and at the same time does not require large expenses.
Reviews about Direct Credit in Moscow, where the official representative office is located, are also positive for customers who use this technology. The main mission of the organization is that the design of loans should be simple, as well as understandable and convenient for customers and sales agents. The company's goal is to implement, as well as introduce modern solutions and advanced technologies in the field of POS lending.
Representatives of the organization are convinced that over the next few years, the system they integrate will be distributed everywhere. This will make it possible to forget about the large profiles and forms from banks, in which you need to answer dozens of questions and specify a lot of different personal data. The company aims to simplify the procedure for obtaining a loan through the Internet and make it simple, affordable, like issuing a regular debit bank card. For this, the organization has the necessary technology, as well as several specialized staff.
History of development
Reviews of Direct Credit also note that the organization is fully serviced and takes on part of the work on further processing and issuing loans through banks and microfinance organizations. There are two centers in which support is provided not only for online stores, but also for customers, if necessary.
The history of the company is quite interesting. It began to function back in 2011. At that time, there were no dedicated technologies to fill out loan applications, so the company integrated the first system in the country to process incoming requests for a loan for purchase via the Internet using a telephone line where the center staff processed all calls.
Reviews about the "Direct Credit Center" company employees say that they work in 2 shifts. This allows you to work almost around the clock. Since 2012, the integration of the process of conducting end-to-end lending through banks online begins. At the same time, the first federal partnership was launched, and a call center was opened to identify and service customers who shop at online stores.
In 2013, an active expansion of the network began, which lasted until 2015, when its own staff of special credit agents was created. They were representatives of large federal companies issuing loans. In 2017 and until now, lending is being deployed in all networks across the country. Own software was developed that allows you to integrate online portals and connect them with bank employees. Now, to get a loan a small application is drawn up. This means that customers making purchases in online stores no longer fill out a lot of cards to get the required loan amount.
Statistical Information
Direct Credit Center is constantly sharing the successes the company is achieving. The popularity of the service is due to the fact that more and more operations in the form of processing loan applications are sent mainly through various Internet portals offering their visitors to purchase goods and services. All that the company needs is to give due support, as well as to form its own staff, containing a call center, which will be the intermediary between customers and contractors in the person of banks and microfinance organizations. Over the past few years, many large institutions from the financial sector have become partners.
The statistics of the technologies being introduced are also quite attractive. It can be viewed on the official website. According to the information provided, already within the first 2 minutes from the moment of sending the application through the online store for the goods sold, you can get a decision on the loan application from several financial institutions at once. Now there are several large centers that are engaged in training employees of online stores remotely throughout the country. Courses and lectures are necessary to know how to use your personal account on the site to properly serve your customers in the field of lending.
At the moment, the company has 16 financial partners who have received and integrated software for processing credit services. The support service is open 18 hours a day from 5 a.m. to 10 p.m. The company only cooperates with large and reliable financial institutions, as well as microfinance organizations. Therefore, the probability of approval of applications that the company sends to its partners is 95%. Each month, thanks to the integrated service, more than 100 thousand customer requests are approved by financial institutions. About 10 thousand consumers use the system. The central office of Direct Credit is located at: Moscow, per. Spartakovsky, d.2.
Regional network
“Direct Credit Center” is notable for the fact that it provides services in the online space and has several branches throughout the country, which allow using the hired employees to serve financial institutions. In addition, they provide the necessary list of applications, and also increase the flow of customers for online stores. The organization is also distinguished by the fact that it constantly seeks to expand its presence in Russia.
At the moment, employees and representatives of the company are located in 100 cities, starting from Vladivostok and ending with Kaliningrad. To support the proper level of quality of service, centers have been opened in more than 15 cities. Each contract is important to the company, therefore it provides high-quality service equally to each partner and client who has applied for services. At the same time, the scale of the business for concluding an agreement may be small. In order to intensify the work and establish all internal processes, as well as provide the proper level of support to its partners and clients, there are more than several thousand employees in the states across the country.
Reviews of the company “Direct Credit” of employees note that the company provides all the necessary conditions for its employees to be able to provide all the services provided. In several time zones, they redirect applications almost round-the-clock and send loan agreements to financial institutions via the Internet.
Affiliate network
Direct Credit has a wide affiliate network. It includes dozens of large financial institutions in the form of banks, as well as microfinance companies. In addition, insurance companies are connected to the organization through software and a personal account located on the official website. The organization only cooperates with reliable financial institutions that provide loans to the public. The generated software makes it possible to immediately select the required number of partners in the form of banks and MFIs when applying for clients in order to increase the percentage of approval of loans issued.
After the application arrives through the online stores in the terminal, it will be transferred to the center of the company, where specialists will redirect the form to a specific organization. Today, most banks and other lending institutions in the country have a quick system for assessing the various qualities of the borrower, which allows to reduce to a greater extent the time for considering applications. When the bank approves the request, it will be redirected back to the customer’s online store. Further, he will be provided with the necessary information on making payments through a loan and signing a loan agreement using electronic documents.
The Direct Credit program helps connect online stores and financial institutions that issue loans. This allows you to optimize all costs and remove such an action as a personal visit to the bank to obtain approval for a specific loan amount. Financial companies also benefit from an increase in the number of customers, which over the past few years have become very numerous in the Internet space.
Main customers
Direct Credit always works for the result. In order to expand its network, the company creates additional programs for working with large sellers, which are mainly online stores and real points of sale. On the official website of the company you can familiarize yourself in detail with all the major stores that operate in the Internet space to sell their goods to citizens. By going to any of these sites and selecting the product you like, a separate line will already be displayed in the customer’s basket, offering to make a purchase on credit.
To do this, the customer immediately needs to fill out an application on the store’s website, where they need to specify a phone number, contact details, place of residence, as well as age. After that, the system will transfer the application to the center on the server, where it will be sent to several financial institutions. In a few minutes, based on the parameters provided, the bank will make its decision at the request of the buyer. After approval on the website of the online store, in the section where the basket is located, a notification will appear that the credit for the purchase has been approved by a specific financial institution.
Employee reviews of Direct Credit note that management is constantly striving to optimize its work using software. To this end, the company directs most of the revenue specifically to the development of Internet projects, which allow connecting customers of online stores, as well as banks and microfinance organizations.
Current vacancies
Direct Credit LLC provides favorable conditions not only for cooperation, but also for working with a successful and growing company. For this, the organization has all the necessary tools, as well as modern equipment in the centers where all employees work. The company’s website contains a section with an email address through which candidates can contact official representatives of the organization and send them their resume for consideration.
Due to the continuous expansion of the network, the company constantly needs new employees who are ready to fulfill their tasks, as well as engage in sharing the acquired skills for the training of both young specialists and customers of the company. Employees respond positively to the amount of wages. At the same time, the company enters into official labor agreements and makes all the necessary contributions to state funds.
Direct Credit Center LLC provides an opportunity to achieve good career growth. The company uses modern technologies in the field of lending and the provision of services for the search and selection of necessary customers. These skills will come in handy in many large organizations. This means that specialists, having gained good experience and knowledge, can continue to work in the banking sectors. Before getting a job, all candidates are interviewed and tested. After that, company representatives already make a decision on hiring or refusing a job.
Employee and customer reviews
Reviews about “Direct Credit” in Moscow, as well as in other regions, can be found on the official website or thematic portals that review various Internet services. The company stands out from the total number in that it offers modern solutions and its own developed software. This is profitable, and also allows you to save on the purchase of third-party software and its further maintenance.
Having gained access to their personal account, users can control various factors in the form of reporting for the current period or for the whole year by the number of requests and approvals for loan applications, as well as monitor various categories of customers and their location. This allows us to understand in which particular region the age group is more active in acquiring a particular product or service. Additionally, the owners of online stores in your account can immediately generate reports for the current period and watch purchasing activity on the map.
Pros and cons of the system
Direct Credit receives a lot of encouraging comments every day. Of these, such a major advantage as complete versatility stands out. This allows you to integrate ready-made software solutions into external portals, as well as cash register software and other digital products, logistics services. In addition, flexibility stands out with a wide range of different options and schemes for cooperation with online stores.
There are also negative reviews in terms of the system. The company is one of the few in the country that provides such services. Many services have been integrated relatively recently. The organization is constantly striving to develop and implement various technologies, which can lead to interruptions in work. However, they rarely happen, and experienced professionals - developers and programmers who work for the company, try to solve all the problems that arise within a few hours. , , .