Vexcash
Kristina Žnidarić has a diverse work experience spanning various roles and industries. Kristina currently serves as the Head of Debt Collection at Vexcash AG since August 2021, where they previously held the position of Collections Team Lead from September 2019 to August 2021. Prior to that, they worked as a Team Leader for Croatian Collections at Ferratum Group from April 2017 to August 2019. Additionally, Kristina has experience in public relations as they served in the role of Public Relations at Žnidarić nekretnine d.o.o. from June 2014 to April 2017. Kristina also worked as a Program Coordinator at the Institute for Cultural Diplomacy from February 2016 to May 2016. Earlier in their career, they served as a Marketing Manager at Nigra d.o.o. from September 2008 to 2014.
Kristina Žnidarić pursued their education in a chronological manner, starting with their Bachelor's Degree in Economics and Management at the Zagreb School of Economics and Management from 2008 to 2013. Kristina then obtained a Bachelor's Degree in International Relations and Diplomacy from Dag Hammarskjöld University College in Zagreb, where they studied from 2009 to 2015. In continuation, they pursued a Master's Degree in International Relations and Diplomacy from the same university college in Zagreb, which they completed from 2013 to 2015. Lastly, they pursued a Master of Business Sciences degree in International Business from Doba Faculty of Applied Business and Social studies Maribor, completing their studies from 2015 to 2016.
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Vexcash
Vexcash.com is the first and only PayDay lender in Germany.PayDay loans are called "Kurzzeitkredit" in Germany.When Vexcash launched in 2011 they brought the concept of PayDay loans to Germany as an alternative to regular long term loans. Vexcash overcame and adjusted to several regulations and started a cooperation with theGerman net m - Privatbank 1891. Since the beginning of 2013 the cooperation with this fully licensed German bank gave Vexcash a boost and made it grew rapidly. Vexcash lends money to people in financial circumstances when people suffer to get a loan anywhere else.Since Vexcash only lends money for 30 days it uses an own internal algorithm to calculate the risk whether the borrower will be able to pay back the amount within time.In Germany the so called "Schufa" is a credit investigation company which records 66 million private people and 5 million businesses. The "Schufascore" is an algorithm that also calculates the risk whether the borrower will be able to pay back the loan in time but on the basis of 12-36 months with an average amount of 20.000 Euro.Vexcash combines its own algorithm and the Schufascore to calculate its own risk lending money to applicants. Due to this fact, Vexcash also lends money to customers with a Schufascore H-I. Compared to a regular bank which in general lends money to people with Schufascore A-C.The whole applicant procedure happens in real time which makes it possible to transfer the loans within 30 minutes to the applicants account.