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4finance's Overview

Total employees431
HeadquartersRiga
Founded2008

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.

Where is 4finance's Headquarters?

HQ Function

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.

Notable Features:

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.

Work Culture:

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.

HQ Significance:

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.

Values Reflected in HQ: The headquarters' modern infrastructure, focus on technological integration, and diverse team composition reflect 4finance's core values: innovation, efficiency, customer focus, responsibility, and global teamwork.

Location:

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.

Street Address:

Lielirbes iela 17A-8

City:

Riga

State/Province:

Riga

Country:

Latvia

4finance's Global Presence

Warsaw, Masovian Voivodeship, Poland

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.

Madrid, Community of Madrid, Spain

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.

Prague, Czech Republic

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.

Buying Intent Signals for 4finance

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of 4finance

As of April 2025, 4finance' leadership includes:

Kieran Donnelly - Chief Executive Officer (CEO)
James Etherington - Chief Financial Officer (CFO)
Gennadii Shvets - Chief Risk Officer (CRO)
Agnis Priedītis - Chief Information Technology Officer (CITO)
Joanna Łodygowska - Chief People Officer (CPO)
Pedro Rabanal - Group Head of Legal and Compliance

Investors of 4finance

4finance has been backed by several prominent investors over the years, including:

A European family office (ultimate beneficial owner)
Various institutional and private bondholders (via publicly traded corporate bonds)

Executive New Hires/Exits in the Last 12 Months

Hire1
Exits0

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.

New Appointments:

Pedro Rabanal, Pedro Rabanal was appointed as Group Head of Legal and Compliance, bringing significant expertise in financial services law to enhance the company's governance and compliance framework.

Technology (Tech Stack) used by 4finance

Discover the tools 4finance uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

4finance Email Formats and Examples

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

News and media

4finance Investor RelationsMay 16, 2024

4finance Announces Strong Q1 2024 Results with Continued Profitability and Growth

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. Announces Successful Tap Issue of its EUR 2027 Bonds

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.comJune 29, 2023

4finance Publishes 2022 Sustainability Report Highlighting ESG Commitments

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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