Fintech startup presentation

1. Company presentation
GLOBAL BRANDS
MAGAZINE
2013
Best Micro Finance
Brand in Russia
2014
Top 50 best startup
teams in Russia
Kommersant
Secretmag
2013
Best Microloan
Provider Russia
GLOBAL BANKING &
FINANCE REVIEW
2014
Investment rating
AAA
Top 50 Russian
startup
RUSSIAN
STARTUP RATING
2014
Online Microfinance
Company of the
Year
“FINANCIAL ELITE
RUSSIA”
2013 / 2014
Innovative
product / Dynamic
development
Golden Ruble
2013 / 2014
Best Microloan
Provider Russia
GLOBAL BANKING &
FINANCE REVIEW
2014
Best Finance
Affiliate Program
RACE AWARDS
2015
100 Europe:
Finalists
RED HERRING
2015
Financial rating
A+.mfi
RAEX

2. 0%
10%
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5 000
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25 000
30 000
Sept
12
Dec
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Mar
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June
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Sept
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Dec
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Mar
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June
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Sept
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Dec
14
Mar
15
June
15
Sept
15
Dec
15
New loans Repeated loans NPL
Russia
Georgia
Kazakhstan
Spain
LEADING INTERNATIONAL ALTERNATIVE ONLINE FINANCE PLATFORM
MoneyMan: Introduction
Current presenceKey facts
 Moneyman was founded in 2012 and is now a fast growing international
alternative finance provider, specializing in lending and related financial
products:
 Over 190 professionals
 Over 258,000 loans issued across 5 countries by the end of 2015
 Monthly issuance has grown at an explosive rate and exceeded 25 000 loans
per month
 Industry leading NPL level of under 10%, driven by core expertise in risk
management technology
 Profitable in Russia, Kazakhstan and Georgia with number 1 or 2 market
share positions
 Competitive advantage:
 Unique proprietary scoring model with over hundreds data points analyzed
per client
 High CLV across all countries
 Strong global and local teams
 Low cost business model
 Round A and Round B closed, raising over USD 15mn in debt & equity
Brazil
Poland
#1
#1
#2Q1 2016
Q4 2015
Q2 2015
Belarus
R&D
HQ
Monthly issuance (number of loans) growth while reducing NPL
Scoring systems was
quickly adjusted to tackle
worsening economic
situation in Russia

3.  Moneyman is a brand for PDL and Installment loans
 High efficiency – low cost model:
 Under $200,000 of monthly admin costs for 3 fully
operational countries
 Efficient IT development based in Minsk
 Moneyman – first online microloans service in Russia. The
product is also present in Kazakhstan, Georgia,Spain and
Poland:
 #1 in Russia #1 in Kazakhstan #2 in Georgia
 The Company has received more than 1,000,000 loan
applications from more than 10mn visitors
 The Company has developed and is constantly improving
unique IT-system allowing to manage the service in a
comprehensive way and to maintain the optimal risk-return
ratio
 Scalable technology allows launch of a new country
within 3 months
 Unique product range to maximise CLV.
MONEYMAN IS A UNIQUE PRODUCT ON THE ALTERNATIVE FINANCING MARKET
Overview User friendly interface
MoneyMan at a glance
Moneyman client profile

4. Key figures of MoneyMan.ru
MONEYMAN IS A RAPIDLY AND EFFICIENTLY DEVELOPING PRODUCT
Highlights Client Lifetime Value Analysis (USD)
Amount of loans issued (RUB)
The Company is actively attracting new
customers while maintaining high
approval rate
Number of loans issued
0
20 000
40 000
60 000
80 000
100 000
1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 4Q 14 1Q 15 2Q 15 3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16
Repeat Loans New Loans
0
100 000
200 000
300 000
400 000
500 000
600 000
700 000
800 000
900 000
1 000 000
1 100 000
1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 4Q 14 1Q 15 2Q 15 3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16
Repeat Loans New Loans
 Number 1 online lender in Russia
 The most dynamically growing microfinance company in Russia in 2015
 Over 100 000 loans issued
 Best affiliate program in financial sector
 Unique partnership with top retail banks
 Efficient funding through local banks and proprietary deposit program
(investor.moneyman.ru)
 Strong loyalty rate: for each US$ 1 new loan, over US$ 6.4 of repeat loans
issued
 Funding - Credit line and strategic partnership secured with local bank
New loan amount 85
Repeat loans 543
Gross Revenue 284
NPL 82
OPEX* 90
CLV 112
*includes: marketing, scoring, processing, collection

5. FULLY AUTOMATED, CLEAR, EFFICIENT AND EFFECTIVE PROCESS
Strong core expertise in risk management
Prospecting
Acquisitions
Customer
Management
Collections
Fraud detection
Identity
Data
Analytics
Intelligent
Reporting
 Scoring systems are updated continuously driving the NPL rate down, whilst
maximizing approval rates
 Multiple data sources, ongoing works on R&D
 Online applications, internal data and black list, automatic identity solutions
based on credit history file, x-matching algorithms, external data sources (credit
bureau, telecoms, device id, telecoms, account information), rating models, grey
zone manual verification
Collection efficiency
 Collection after 1d+ until the write off is an important revenue contributor
 Automated (autodialer, SMS and email notifications) and manual (collectors)
collection are run simultaneously
 Overdue loans are divided into 5 buckets:
 1 – 15 days: in-house client manager
 16 – 60 days: soft in-house collection
 61 – 120: in-house collection
 120 – 365: external collection (3 stages of collection agencies)
 365+: legal collection / portfolio sale
 Over 70% of the cash flow is collected in-house, minimizing collection costs
 Collection department has clear KPIs on debtor contact intensity and skip tracing
Unprecedented reduction of NPL rate*
Scoring systems was
quickly adjusted to tackle
worsening economic
situation in Russia
0%
10%
20%
30%
40%
50%
60%
NPL was successfully
reduced to sub-10%
8%
Risk technology in origination and collection process

6. -
200
400
600
800
1 000
1 200
1 400
1 600
сен.12 янв.13 май.13 сен.13 янв.14 май.14 сен.14 янв.15 май.15
Gross loan costs (RUB) Net loan cost (RUB)
THE COMPANY IMPLEMENTS AN EFFICIENT STRATEGY OF ATTRACTING NEW CUSTOMERS
Client acquisition model
Client acquisition costs
Marketing costs are
partially covered by
traffic recycling
3% of
issuance
volume
 The Company has a multi-channel client acquisition strategy with a focus on optimizing the costs and increasing brand awareness:
□ Search engine optimization (SEO): largest acquisition channel with the lowest client acquisitions costs
□ Direct marketing: email, telecom, SMM targeting new and existing clients
□ Leads (CPA): payment per loan or per application
 Online: integrated with all major lead generators
 Offline: offline partnership program launched in 2014 includes partnership with major national banks and brokerage firms
□ Search engine advertising: the most expensive, but easiest channel to scale
 Since inception CAC has been reduced to sub 5% of issuance level

7. Web analytics, user behavioral tracking, unstructured data
Client payment behavior, Telecoms
Device identity
Additional credit bureau file aggregation and consolidation
Risk technology in origination process
CLEAR, EFFICIENT AND EFFECTIVE PROCESS
Data
Analytics
Reporting
Acquisitions
Fraud Detection
Identity
Social networks
Government services
Pension funds data
Bank account data
Standartised global methodology incorporating risk analysis,
cash flows, client life time values, collection and verification
KPIs, daily, weekly and monthly reporting, automatics
system triggers, regular credit scoring monitoring
Tools: Tableau, in-house development
Supporting local analytics team
Global In-house models development methodology
based on worlds best practice algorithms
Tools: SAS Enterprise Miner, SAS Analytics Pro, SAS
Scoring Module, SAS Text Miner
Standartised decision making and business process
adopted locally with data providers and information sources,
legal and market experience
Standartised mechanism for x-matching algorithms based
on available data and application inconsistencies, contact
data, device fingerprint, previous applications, application
inconsistencies, external data sources
Local external data providers
Credit history file analysis algorithms
Manual validation of grey zone (“special questions”
methodology)
Localised data patterns
External providers
Legislative compliance
Global Local

8. • 13 years of work experience in banking and
finance
• Previously held various positions at Deutsche
Bank, Renaissance Capital and RBS within
debt capital markets in London and Moscow
• Graduated from Cambridge University with a
degree of Master in Economics
Boris Batin, PhD
Co-founder, Chief Executive Officer (CEO)
• Over 9 years of experience in banking and finance
• Previous experience: Deutsche Bank, London
• Holds Chartered Financial Analyst degree
• Graduated from Imperial College with a degree of
Master in Finance
Alexander Dunaev, CFA
Co-founder, Chief Operational Officer (COO)
• 9 years of work experience in risk management
• Previously worked as Head of Russia & CIS
Experian Analytics
• Graduated from Moscow State University of
Economics, Statistics and Informatics
Ekaterina Kazak
Chief Risk Officer (CRO)
• 12 years of experience in software
development, including development of high-
load applications and financial systems
• Previous experience: Lead developer at
Itransition
• Graduated from Belorussian State University
Pavel Shareyko
Chief Technical Officer (CTO)
MoneyMan management team
STRONG TEAM – CENTRALISED CORE EXPERTISE

9. Disclaimer
 This document and its contents are confidential and may not be reproduced, redistributed, published or passed on to any other person, directly or indirectly,
in whole or in part, for any purpose.
 This presentation is not directed to, or intended for distribution to or use by, any person or entity that is a citizen or resident of, or located in, any locality,
state, country or other jurisdiction where such distribution or use would be contrary to law or regulation or which would require any registration or licensing
within such jurisdiction.
 The information in this presentation has not been independently verified. No representation or warranty, express or implied, is made as to the accuracy,
completeness or fairness of the presentation and the information contained herein and no reliance should be placed on such information.
 This presentation contains forward-looking statements, which include all statements other than statements of historical facts, including, without limitation,
any statements preceded by, followed by or including the words “targets”, “believes”, “expects”, “aims”, “intends”, “may”, “anticipates”, “would”, “could” or
similar expressions or the negative thereof. Such forward-looking statements involve known and unknown risks, uncertainties and other important factors
beyond the company’s control that could cause the company’s actual results, performance or achievements to be materially different from future results,
performance or achievements expressed or implied by such forward-looking statements. Such forward-looking statements are based on numerous
assumptions regarding the company’s present and future business strategies and the environment in which it will operate in the future. These forward-
looking statements speak only as at the date of this presentation. The company expressly disclaims any obligation or undertaking to disseminate any
updates or revisions to any forward-looking statements contained herein to reflect any change in its expectations with regard thereto or any change in
events, conditions or circumstances on which any of such statements are based.