ZOOD
Nikoloz Rukhadze is an experienced professional in risk management and business analysis, currently serving as the Risk Technology Manager at Zood since August 2022. Previously, Nikoloz worked at TBC Bank as a Business Translator and at Space Neobank as a Business Analyst. Nikoloz co-founded NGO "Urban Lab" and held various roles at Halyk Bank Georgia, Tbilisi City Hall, and PASHA Bank in Georgia. Throughout a lengthy career at Bank of Georgia, responsibilities included roles such as Credit Risk Manager and Head of Loan Restructuring Group. Nikoloz holds a Master's degree in Business Administration from Tbilisi State University and a Bachelor's degree in Business Administration and Management from Tbilisis Ekonomikur Urtiertobata Sakhelmtsipo Instituti.
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ZOOD
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ZOOD is a digital lending platform for e-commerce. Our ecosystem embeds FinTech (ZOODPay), E-commerce (ZOODMall), and E-logistics (ZOODShip) services, with lending being our core activity. Headquartered in Switzerland, the ZOOD App has 10 offices serving over 10 million users. We are committed to delivering a "Swiss quality" shopping experience and cross-border services to merchants and shoppers across fast-growing FinTech and E-commerce emerging markets in Pakistan, Uzbekistan, and Lebanon. ZOODPay offers three lending products: (1) ZOODPay SME Inventory to select ZOOD ecosystem merchants providing monthly inventory financing and the necessary warehousing technology, (2) ZOODPay BNPL, a 4-installments consumer plan with 0% interest, and (3) ZOODPay Credit, an extended consumer BNPL product (up to 12 months) with interest. Our consumer lending products are available through multiple distribution channels: ZOODMall, our own marketplace with 7 million + products from 30,000 local and cross-border sellers; on partners' apps and websites through a seamlessly integrated API; and in offline partner shops across our countries of operation.