Management Financial Group is an international financial
institution with a global forward-looking ambition.
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Management Financial Group is an international financial
institution with a global forward-looking ambition
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As part of every staff recruitment procedure, Management Financial Group JSC (“the Company”) collects and processes personal data related to the job candidates. The Company hereby commits to be transparent with regard to the way of collecting and using such data and of fulfilling its data protection obligations.
What kind of information we collect?
The Company collects a set of information about you. This includes:
The Company may collect this information in different ways. For example, data can be part of your job applications, CVs or resumes, from your passport or other identity documents, or being collected during interviews or other forms of assessment.
Furthermore, we can collect personal data for you from third parties, for example, previous employers in relation to job references. This information will be asked from third parties only after we make you a job offer, and we will inform you about the actions we have undertaken to this effect.
Data will be stored at different locations, including in the registration of your application, in the human resources management systems and in other information systems (including email).
Why does Management Financial Group JSC process personal data?
We should process personal data in order to undertake the required actions in relation to your request, before we proceed to entering into contract with you. Furthermore, we may need to process your data in order to enter into the contract itself.
In some cases, we need to process personal data to be sure that we fulfil our statutory requirements. For example, we are under the obligation to verify whether the candidate is entitled to work on the territory of Bulgaria before appointing them.
The Company has legitimate interest to process personal data during the staff recruitment procedure and to keep records throughout this procedure. Job candidates’ data processing will allow us to manage the staff recruitment procedure, to assess and confirm the candidate’s ability to perform the work and to decide who will offer the job to.
If your job application is not approved, the Company may keep your personal data in a dossier, provided future job opportunities you would be appropriate candidate for appear. Before proceeding to your personal data storage for this purpose, we will ask for your consent, which you will be able to withdraw at any time.
Who has access to the data?
Your information may be internally exchanged for the purposes of carrying out the staff recruitment procedure. This includes the members of the human resources departments, the staff recruitment officers, interviewers and those involved in the recruitment process, the heads of departments with job vacancies, the security department and the IT employees, if the access to such data is required for performing their functions. Your personal data may also be provided to third parties with whom Management Financial Group JSC has entered into a contract for the processing of personal data. Upon your request, information about the companies under the previous sentence and the main characteristics of the contracts will be provided to you.
We will not share your data to third parties, unless your job application has been approved and we make you a job offer. In this case, we may share your data with pervious employers in order to obtain some information about you, as well as with the individuals who are competent with regard to your previous employment, in order to make the required preliminary investigations.
How does Management Financial Group JSC protect the data?
We address the security of your data in a responsible manner. We have internal policies and controlling mechanisms in place, which guarantee that your data will not be lost, accidentally damage, used or disclosed in an unauthorized manner, and that they are not accessible to any individuals other than our employees, and furthermore – in the course of proper fulfilment of their duties.
What is the time period in which Management Financial Group JSC stores the data?
If your job application has not been approved, Management Financial Group JSC will store your data on a file/ dossier for a period of 6 (six) months after the end of the respective recruitment procedure. If you agree to give us your personal data on file/ dossier, we will keep your data on file/ dossier for another 6 (six) months for any possible future job opportunities. At the end of this period, or once you withdraw your consent, your data will be erased or destroyed. Upon submitting your CV, you will be asked whether you give your consent for storage of your data for the entire 12-months’ period for the purposes of being considered for other position, or not.
If your job application has been approved, your personal data collected during the recruitment process will be transferred to your employment dossier (on electronic and hard copy) and stored for the period of your employment. You will be notified again for the periods your data will be stored for.
As a data subject, you have a set of rights. You are entitled:
If you want to exercise any of the above rights, please contact firstname.lastname@example.org.
If you believe that the Company has not respected your rights in relation to the personal data protection, you can refer the issue to the Personal Data Protection Commission.
What happens if you fail to provide personal data?
You are not subject to contractual or another obligation to provide data to the Company during the recruitment processes. Nevertheless, if you do not provide information, we may be unable to process your application properly or unable to process it as at all.
The sense about good investments, visionary spirit and sustainability are encoded in the DNA of Management Financial Group. We believe that innovation exists to make our lives better. We believe that creative ideas are driving the world toward progress. Many of these ideas need support early in their development. We are here to lend a hand.
When we talk about invesments, we have to mention peer-to-peer. P2P investment platforms are an intermediary between lending companies and individuals. Lending companies have the opportunity to provide individuals called investors with already granted loans for external investment. Thus both parties meet their interests – credit companies obtain fresh financing while private investors earn satisfactory return on their available funds. The intermediary platform receives remuneration in the form of a percentage of the investment transaction. The investment model gains thousands of followers worldwide for its easy and adaptive work style, open and clear investment policy.
Усетът за добрите инвестиции, визионерски дух и устойчивост са закодирани в ДНК-то на Management Financial Group. Вярваме, че иновациите съществуват, за да направят живота ни по-добър. В дъното на прогреса, който днес движи света, стои приложението на креативни идеи, създадени от хора за хора. Много от тези идеи се нуждаят от подкрепа рано в своето развитие. Ние сме тук, за да им подадем ръка.
Когато говорим за инвестиции, трябва да споменем и Р2Р. Платформите за peer-2-peer инвестиции са посредник между кредитни компании и частни лица. Компании за кредитиране имат възможност да отдадат вече отпуснати кредити за външни инвестиции на частни лица, наречени инвеститори. Така двете страни срещат интересите си – кредитните компании получават свежо финанансиране, докато частните инвеститори печелят удовлетворяваща възвръщаемост за свободните си средства. Платформата посредник получава възнаграждение под формата на процент от инвестиционната сделка. Инвестиционният модел печели хиляди последователи в цял свят заради лесния си и адаптивен начин на работа, открита и ясна инвестиционна политика.
Непрестранният стремеж към подобряване на потребителското преживяване е движеща сила за нас като група. Естественият процес на развитие добави към портфолиото ни изцяло дигитални финансови продукти, разработени според последните финтех тенденции. Разнообразният микс от продукти и услуги, които компаниите от звеното Дигитални финанси предлага, включва, разплащателни сметки, дебитни и кредитни карти, дигитални разплащания, кредитни продукти и др.
The relentless pursuit of improving the user experience is a driving force for us as a group. The natural development process has added to our portfolio fully digital financial products, developed according to the latest fintech trends. The diverse mix of products and services that the companies in the Digital Finance unit offer includes current accounts, debit and credit cards, digital payments, credit products, etc.
Като група от компании целим да оптимизираме процеса по предоставяне на финансови услуги – от отпускането на кредит до събирането на просрочени задължения. Събирането на вземания е неизменна част от кредитния процес. Подхождаме с отговорност и уважение към клиентите, изпаднали в просрочие. Процесът включва личен контакт с клиента и предоставяне на възможност за издължаване в рамките на добрия тон и отношения.
Компаниите от дивизия Потребителско и В2В кредитиране се стремят да бъдат близо до клиента – в офис на място, по телефона, оналйн или в партньорска мрежа. Дивизията има две направления – потребителско и бизнес кредитиране.
Търговската структура на компаниите за кредитиране на микро и малкия бизнес е на разположение на предприемачите и в готовност да отговори на финансовите нужди на бизнеса.
Потребителското кредитиране, предлагано в рамките на дивизията, разчупва стереотипа за отдаване на кредит и поставя фокус върху удобството на онлайн кредитирането.
Като група от компании се стремим да предложим финансови продукти и услуги в съответствие с глобалните трендове на този динамично развиващ се пазар. Създаваме финансови технологии в синхрон с нашите визия и предприемачески дух. Така се роди и дивизия Кредитни карти и дигитален бизнес, които отговарят на нуждите на пазара от технологични решения в т.ч. кредитни карти, мобилни разплащания, онлайн кредитиране и още.
В основата на дивизията за домашно кредитиране е личното отношение и контакт с клиентите ни. Това резултира в подобряване на потребителското поведение и лоялност към компанията.
В структурата на дивизията се включват добре обучени кредитни консултанти от цялата страна, които с готовност помагат за посрещане на финансовите нужди на нашите клиенти. Кредитните консултанти предлагат кредитиране до дома или удобно за клиента място, консултация или асистенция при нужда от пари.
Растем и напредваме заедно, следвайки тенденциите и развитието на технологиите. Разполагаме със собствено звено за технологична разработка на софтуер и вътрешни инструменти. Разработваме и поддържаме комплексни финансови системи, които целят да отговорят на разнообразни бизнес модели на различните компании в холдинга.
As we grow and progress together, we follow technology trends and developments. We have our own unit for technological development of software and internal tools. We develop and maintain complex financial systems aiming to respond to diversified business models of the various companies in the holding.
As a group of companies, we aim to streamline the process of providing financial services – from lending to collecting overdue debts. Debt collection is an integral part of the credit process. We approach with responsibility and respect for customers who are in default. The process involves personal contact with the client and provision of an opportunity for repayment while observing good manners and relations.
This market segment is focused on consumer lending through a commercial network of financial centers for issuing loans on spot, by phone, online or through a partner network as well as providing financing for micro and small business entities.
Building a commercial network is based on providing financial solutions for everyone who wants to receive instant funding corresponding to their needs and plans by accessing our products and services in convenient locations, over the phone or online. By offering business loans, we aim to support and develop the potential of small businesses, representing the backbone of every economy. Loan applicants are owners of family companies, entrepreneurs, as well as anyone who represents the micro and small business and needs fast and tailor-made financial solution for its growth.
As a group of companies, we aim at developing and offering financial products and services in line with the global trends of the dynamically developing world. In correspondence to our visions and entrepreneurial spirit, we consider creating financial technologies that benefit people as a part of our DNA code. In this market segment, we operate in the of card and mobile payment types, as well as online lending.
Home Collected Crediting segment lays on the implementation of personal approach by establishing personal relationships with clients, which results in better credit scoring and customer loyalty.
The operating process of this segment includes the identification and training of a large number of socially committed credit officers, called Credit Consultants (CC); reaching out to groups of low income people that are potentially creditworthy; identifying and assessing of customers’ projects and needs in collaboration with CC; finding the proper solution for the customers according to their credit scoring; providing personal assistance and consultancy; and following up on supervision and collection.
In general, Credit Consultants visit current and potential clients for credit consultancy and disbursement as well as for collection of installments.