4finance is one of Europe's largest and most profitable digital consumer lending groups, providing fast, convenient, and accessible online and mobile loans to millions of customers across multiple countries. Leveraging advanced data analytics, proprietary technology, and a customer-centric approach, 4finance offers a range of unsecured consumer credit products under various brands. The company focuses on responsible lending, continuous innovation in fintech, and delivering efficient financial solutions to meet the short-term needs of its diverse customer base.
The Riga headquarters serves as the central command for 4finance's global operations, encompassing executive leadership, strategic development, finance, legal, compliance, IT innovation, and group-wide administrative functions.
The headquarters is housed in a modern office facility, likely featuring an open-concept layout to encourage collaboration, state-of-the-art technology infrastructure, and amenities designed to support a dynamic and international workforce.
The work culture at 4finance's Riga HQ is dynamic, innovative, and results-oriented, typical of a leading financial technology firm. It fosters a multicultural environment that values collaboration, agility in responding to market changes, and data-informed decision-making.
Riga's strategic location within Europe, its access to a skilled, multilingual talent pool, and a supportive business ecosystem make it an effective base for 4finance to manage its extensive European operations and pioneer digital lending solutions.
4finance operates across numerous countries, primarily in Europe. Globally, its functions support the entire lifecycle of digital consumer lending. This includes centralized IT platform development and maintenance, sophisticated data science for credit scoring and fraud prevention, group-wide risk management frameworks, treasury and financial operations, multilingual customer service centers, digital marketing and brand management, legal and regulatory compliance tailored to each jurisdiction, and corporate strategy and development.
Lielirbes iela 17A-8
Riga
Riga
Latvia
Address: Prominent Business District, Warsaw, Poland
To effectively serve the Polish consumer base with tailored digital lending products, ensure compliance with local regulations, and drive market share growth in Central and Eastern Europe.
Address: Key Business Hub, Madrid, Spain
To strengthen 4finance's presence in the Southern European digital lending market, offering accessible financial products and adapting to the unique economic landscape and consumer preferences in Spain.
Address: Central Business Area, Prague, Czech Republic
To cater to the consumer finance needs in the Czech market, maintain a strong local brand presence, and contribute to the group's overall performance in Central Europe.
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As of April 2025, 4finance' leadership includes:
4finance has been backed by several prominent investors over the years, including:
In the past 12-15 months, 4finance has maintained stability in its core C-suite leadership while strategically strengthening specialized executive roles. A key appointment in the legal and compliance area was noted within the last year, underscoring the company's commitment to robust governance. No major C-suite departures have been publicly announced in the strict last 12 months.
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4finance commonly uses a standard corporate email format that combines employee names with their official domain, `4finance.com`. The most prevalent pattern observed is `firstname.lastname@4finance.com`. Variations might exist for some individuals or departments, but this format is a reliable starting point for communication.
firstname.lastname@4finance.com
Format
jane.doe@4finance.com
Example
80%
Success rate
4finance Investor Relations • May 16, 2024
4finance reported robust financial performance for the first quarter of 2024, highlighting increased loan issuance near-prime portfolio growth, steady revenue growth, and strong net profit. The company emphasized its focus on disciplined lending and operational efficiency across its European markets....more
Cision News / 4finance S.A. • December 1, 2023
4finance S.A. successfully completed a EUR 25 million tap issue of its existing EUR 2027 bonds, bringing the total outstanding amount to EUR 175 million. This demonstrates continued investor confidence and provides additional capital to support its strategic initiatives and refinance existing debt....more
4finance.com • June 29, 2023
4finance released its 2022 Sustainability Report, detailing its progress and commitments in Environmental, Social, and Governance (ESG) areas. The report covers responsible lending practices, digital inclusion, employee well-being, data privacy, and community engagement initiatives, reflecting its dedication to sustainable business operations....more
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