# FinSurfers — full site content (LLM-friendly) > Plain-text markdown dump of all pages on https://finsurfers.agency. Generated at build time from the rendered HTML. For a structured index, see /llms.txt. Source: https://finsurfers.agency/sitemap-index.xml --- # About | FinSurfers URL: https://finsurfers.agency/about/ > FinSurfers is a founder-led growth partner for lending businesses, led by Rodions Matvejevs. FOUNDER-LED # Senior judgement stays in the room. FinSurfers is a founder-led firm. The people shaping the answer stay involved in execution, from board-level strategy through implementation. FOUNDER & MANAGING PARTNER ## Rodions Matvejevs FinSurfers is led by Rodions Matvejevs, a fintech operator and adviser with 15 years across growth, credit and operations, including C-level roles in European consumer finance. He works with owners, boards and leadership teams to launch and scale lending businesses across Europe, Central Asia, MENA and selected emerging markets. TRACK RECORD Before founding FinSurfers, Rodions held C-level roles in European consumer finance and technology, including Chief Commercial Officer at Eleving Group, a multi-market vehicle and consumer finance group, and CMO at Dyninno, an international travel and fintech group. His work since has covered consumer lending, BNPL, auto finance, collections, decisioning and funding across Europe, Central Asia and MENA. Rodions also serves in a group-level strategy and product mandate at a multi-market consumer finance group, which keeps FinSurfers' work grounded in live portfolio, funding and operating decisions. [FinSurfers on LinkedIn →](https://www.linkedin.com/company/finsurfers/) HOW WE WORK ## Built by operators, not observers. 01 ### Direct You work with the person doing the thinking, not an account layer. 02 ### Execution first Advice that does not survive contact with operations is not finished work. 03 ### Confidential by default Most of the work never appears on this website. 04 ### No junior handoff The engagement is led by the founder from diagnosis to delivery. SPECIALIST BENCH Engagements are supported, where required, by senior specialists across capital, product, risk, data and technology. The bench is assembled per engagement; no permanent overhead is billed into the work. GEOGRAPHY FinSurfers works across Europe, Central Asia, MENA and selected emerging markets, on site where the work requires it. Europe Central Asia MENA Selected emerging markets ## What needs to grow next? Tell us what you are launching, scaling or rebuilding. [Discuss a growth opportunity](/#contact) or write to hello@finsurfers.agency --- # Capabilities | FinSurfers URL: https://finsurfers.agency/capabilities/ > Capital and funding, product and distribution, AI and data, and technology, risk and operations. One system for lending growth. INTEGRATED CAPABILITIES # One system. Four capabilities. Each capability can solve a focused problem. Together, they create a lending business that can grow with control. Every engagement is scoped around the constraint, not the service list. [01CAPITAL & FUNDING](#capital-funding) [02PRODUCT & DISTRIBUTION](#product-distribution) [03AI & DATA](#ai-data) [04TECHNOLOGY, RISK & OPS](#tech-risk-ops) CAPABILITY 01 ## Capital & Funding Capital strategy, investor readiness, bank and institutional funding partnerships, financial modelling and transaction support. IN THE SYSTEM Sets the funding structure the growth plan deploys, sized against the portfolio it is meant to build. FinSurfers advises and supports. It does not act as a licensed broker, investment firm or capital-raising intermediary. COVERS - Capital and funding strategy - Investor and lender readiness - Bank and institutional funding partnerships - Financial modelling - Transaction support - Independent portfolio and financial-model diligence CAPABILITY 02 ## Product & Distribution Product design, go-to-market strategy, partner channels, performance marketing, sales operations and commercial optimisation. IN THE SYSTEM Aligns products and channels with customer economics, so acquisition grows the portfolio the risk model can hold. COVERS - Product design - Go-to-market strategy - Partner channels - Performance marketing - Sales operations - Commercial optimisation CAPABILITY 03 ## AI & Data Management reporting, decisioning, underwriting, collections, workflow automation and practical AI adoption. IN THE SYSTEM Turns data into real credit and operational decisions. AI is applied where it changes the operating result, not where it demos well. COVERS - Management reporting - Decisioning and underwriting - Collections - Workflow automation - Practical AI adoption CAPABILITY 04 ## Technology, Risk & Operations Lending-stack design, risk frameworks, portfolio management, vendor selection, process architecture and operating-model execution. IN THE SYSTEM Builds the infrastructure that lets growth scale with control, from the lending stack to the operating rhythm around it. COVERS - Lending-stack design - Risk frameworks - Portfolio management - Vendor selection - Process architecture - Operating-model execution ## What needs to grow next? Tell us where the system is constrained. We will scope the capability around it. [Discuss a growth opportunity](/#contact) or write to hello@finsurfers.agency --- # FinSurfers | From Capital to Profitable Growth URL: https://finsurfers.agency/ > FinSurfers helps banks, non-bank lenders and fintechs launch and scale credit businesses through capital, distribution, AI-driven decisioning and operating infrastructure. WE BUILD AND SCALE LENDING BUSINESSES # From capital to profitable growth. FinSurfers helps banks, non-bank lenders and fintechs launch and scale credit businesses. We connect capital, product and distribution, AI-driven decisioning, and operating infrastructure in one execution model. [Discuss a growth opportunity](#contact) [See how we work](#how-we-work) Working across Europe, Central Asia, MENA and selected emerging markets. CAPITAL Funding built around the growth plan. DISTRIBUTIONChannels aligned with unit economics. DECISIONINGData and AI in real credit decisions. INFRASTRUCTURERisk and operations built to scale. PORTFOLIO One portfolio, one P&L. 01CAPITAL 02DISTRIBUTION 03DECISIONING 04INFRASTRUCTURE 05 PORTFOLIO BUILT FOR - Banks - Non-bank lenders - Fintech platforms - Credit ventures THE OPERATING REALITY ## Growth fails at the handoffs. Capital, acquisition, risk, data and technology are often managed as separate workstreams. In lending, they compound. We align them around one portfolio, one operating model and one P&L. ### Capital Funding structures designed around the growth plan. ### Distribution Products and channels aligned with customer economics. ### Decisioning Data and AI applied to real credit and operational decisions. ### Infrastructure Technology, risk and operations built to scale. WHAT WE DO ## Three moments when we create the most value. We work with leadership teams when a credit business needs to be launched, scaled or rebuilt. OUTCOME 01 Launch New products, markets, ventures and bank partnerships. OUTCOME 02 Scale Funding, distribution and portfolio performance moving together. OUTCOME 03 Transform Decisioning, automation and operating infrastructure. OUTCOME 01 · LAUNCH ### Turn an opportunity into an operating credit business. For new products, markets, ventures and bank partnerships. We connect the business case with the product, risk model, technology and launch plan. SCOPE - Market and opportunity assessment - Business model and financial plan - Product, pricing and distribution design - Risk and operating model - Partner and vendor structure - Launch roadmap and execution support [Explore Launch →](/what-we-do#launch) OUTCOME 02 · SCALE ### Grow the portfolio without losing the economics. For lenders that need funding, distribution and portfolio performance to move together. We align commercial growth with risk, capital and operating capacity. SCOPE - Funding and capital strategy - Acquisition and partner channels - Portfolio and unit-economics management - Credit risk and collections performance - Organisation and operating model - Management reporting and performance cadence [Explore Scale →](/what-we-do#scale) OUTCOME 03 · TRANSFORM ### Make data, AI and infrastructure operational. For financial companies replacing fragmented processes with better decisioning, automation and scalable operating infrastructure. SCOPE - Data foundation and management reporting - AI use cases with measurable operating value - Underwriting and decisioning - Collections and service automation - Architecture and vendor selection - Implementation governance [Explore Transform →](/what-we-do#transform) INTEGRATED CAPABILITIES ## One system. Four capabilities. Each capability can solve a focused problem. Together, they create a lending business that can grow with control. 01 ### Capital & Funding Capital strategy, investor readiness, bank and institutional funding partnerships, financial modelling and transaction support. 02 ### Product & Distribution Product design, go-to-market strategy, partner channels, performance marketing, sales operations and commercial optimisation. 03 ### AI & Data Management reporting, decisioning, underwriting, collections, workflow automation and practical AI adoption. 04 ### Technology, Risk & Operations Lending-stack design, risk frameworks, portfolio management, vendor selection, process architecture and operating-model execution. HOW WE WORK ## Advice is only the first layer. Most engagements begin with a focused diagnostic and move into implementation. We can stay involved through launch, scale and capability transfer. 01 → ### Advise Diagnose the constraint, build the business case and align the leadership team around clear decisions. TYPICAL OUTPUTS - Diagnostic - Strategic options - Financial model - Target operating model - Prioritised roadmap 02 → ### Build Work alongside the internal team to turn the roadmap into products, processes, partnerships and systems. TYPICAL OUTPUTS - Product and process design - Partner and vendor implementation - Risk and data frameworks - Delivery governance - Launch management 03 ### Operate Provide senior execution capacity until the business has the people, routines and infrastructure to own the capability. TYPICAL OUTPUTS - Interim functional leadership - Performance cadence - Portfolio and P&L management - Team build-out - Capability transfer SELECTED WORK ## Built in real operating environments. Our work spans lending strategy, launches, portfolio growth, funding, decisioning and infrastructure. Client names and metrics are shown only where approved. MULTI-MARKET LENDER | CONFIDENTIAL ### Designing an integrated model for controlled portfolio growth A growth operating model aligning product priorities, funding, risk, portfolio economics and performance management. ScalePortfolioFundingOperating model BANK PARTNERSHIP | CENTRAL ASIA ### Designing a new retail lending proposition A commercial proposition, financial model and operating blueprint built around the bank's growth and profitability objectives. LaunchProductPartnershipFinancial model FINTECH PLATFORM | EUROPE ### Building the data and operating layer for scalable lending A practical roadmap linking reporting, decisioning, automation and funding requirements to the target operating model. TransformAI & DataInfrastructureFunding [Discuss a relevant case →](#contact) WHY FINSURFERS ## Built by operators, not observers. We work directly with owners and leadership teams. The people shaping the answer stay involved in execution. 01 ### Founder-led attention Every engagement is led by the founder, with no junior-team handoff between diagnosis and delivery. 02 ### Integrated thinking Commercial growth, risk, capital, data and technology are managed as one system. 03 ### Execution depth The work can continue from diagnosis through build-out, launch and operating rhythm. 04 ### Market pragmatism Experience working across regulated, fast-growing and operationally complex markets. FOUNDER-LED ## Senior judgement stays in the room. FinSurfers is led by Rodions Matvejevs, a fintech operator and adviser with 15 years across growth, credit and operations, including C-level roles in European consumer finance. He works with owners, boards and leadership teams to launch and scale lending businesses across Europe, Central Asia, MENA and selected emerging markets. Engagements are supported, where required, by senior specialists across capital, product, risk, data and technology. Rodions Matvejevs FOUNDER & MANAGING PARTNER [About FinSurfers →](/about) ## What needs to grow next? Tell us what you are launching, scaling or rebuilding. We will identify where capital, distribution, data or infrastructure is constraining the result. DIRECT EMAIL [hello@finsurfers.agency](mailto:hello@finsurfers.agency) Write directly if you prefer to skip the form. WHAT HAPPENS NEXT - 01Your note lands directly with the founder. - 02We review the context and whether the work fits what we actually do. - 03If there is a fit, we propose a focused first conversation. No mailing lists. No handover to a sales team. NAME WORK EMAIL WHAT ARE YOU WORKING ON? Website I agree that FinSurfers may store this message and contact me. See our [Privacy Policy](/privacy). Send MESSAGE RECEIVED ### Thank you. We will review the context and get back to you directly. --- # Privacy Policy | FinSurfers URL: https://finsurfers.agency/privacy/ > Read the FinSurfers Privacy Policy to understand how we collect, use, and protect your personal information. PRIVACY POLICY # Privacy Policy Effective Date: November 17, 2025 ## 1. Introduction FinSurfers ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this Privacy Policy carefully. By using our website, you consent to the practices described in this policy. ## 2. Information We Collect ### 2.1 Personal Information We may collect personal information that you voluntarily provide to us when you: - Fill out contact forms on our website - Subscribe to our newsletter or communications - Request information about our services - Engage with us for consulting services The types of personal information we may collect include: - Name - Email address - Phone number - Company name and position - Any other information you choose to provide ### 2.2 Automatically Collected Information When you visit our website, we may automatically collect certain information about your device, including: - IP address - Browser type and version - Operating system - Pages visited and time spent on pages - Referring website addresses ## 3. How We Use Your Information We use the information we collect to: - Respond to your inquiries and provide customer support - Deliver services and information you request - Send you marketing communications (with your consent) - Improve our website and services - Analyze website usage and trends - Comply with legal obligations - Protect against fraud and unauthorized access ## 4. Legal Basis for Processing (GDPR) If you are a resident of the European Economic Area (EEA), our legal basis for processing your personal information includes: - Consent: You have given clear consent for us to process your personal information for specific purposes - Contract: Processing is necessary for a contract we have with you or to take steps at your request before entering into a contract - Legal obligations: Processing is necessary for us to comply with the law - Legitimate interests: Processing is necessary for our legitimate interests or the legitimate interests of a third party (unless your interests and rights override those interests) ## 5. Data Sharing and Disclosure We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances: - Service Providers: We may share information with trusted third-party service providers who assist us in operating our website and providing services (e.g., email service providers, analytics providers) - Legal Requirements: We may disclose information if required by law or in response to valid requests by public authorities - Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity ## 6. Data Security We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include: - Encryption of data in transit and at rest - Regular security assessments and updates - Access controls and authentication procedures - Staff training on data protection However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. ## 7. Data Retention We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it. ## 8. Your Rights Depending on your location, you may have the following rights regarding your personal information: - Access: Request a copy of the personal information we hold about you - Correction: Request correction of inaccurate or incomplete information - Deletion: Request deletion of your personal information - Objection: Object to our processing of your personal information - Restriction: Request restriction of processing of your information - Portability: Request transfer of your information to another service provider - Withdraw consent: Withdraw your consent at any time (where processing is based on consent) To exercise any of these rights, please contact us at hello@finsurfers.agency ## 9. Cookies and Tracking Technologies We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us: - Remember your preferences - Understand how you use our website - Improve website functionality - Analyze website traffic You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website. ## 10. Third-Party Links Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit. ## 11. International Data Transfers Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those of your country. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy. ## 12. Children's Privacy Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information. ## 13. Changes to This Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of any material changes by posting the updated policy on our website and updating the "Effective Date" above. We encourage you to review this Privacy Policy periodically. ## 14. Contact Us If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: FinSurfers Email: hello@finsurfers.agency Location: Riga, Latvia ## 15. Supervisory Authority If you are located in the EEA and believe we have not addressed your concerns adequately, you have the right to lodge a complaint with your local data protection supervisory authority. Questions? Write to hello@finsurfers.agency. --- # Selected Work | FinSurfers URL: https://finsurfers.agency/selected-work/ > Lending strategy, launches, portfolio growth, funding, decisioning and infrastructure, built in real operating environments. SELECTED WORK # Built in real operating environments. Our work spans lending strategy, launches, portfolio growth, funding, decisioning and infrastructure. Client names and metrics are shown only where approved. CASE CONTENT IS PROVISIONAL AND PENDING CLIENT APPROVAL. CASE 01 · MULTI-MARKET LENDER | CONFIDENTIAL ## Designing an integrated model for controlled portfolio growth A growth operating model aligning product priorities, funding, risk, portfolio economics and performance management. CONTEXT A lending group operating across several markets, with growth targets set at group level and delivery split across country teams. The mandate covered the operating model connecting product, funding and portfolio management. THE CONSTRAINT Product priorities, funding plans and risk decisions were made in separate cycles, so growth in one market could quietly consume funding and risk capacity needed in another. WHAT WE DID - Mapped how product, funding, risk and portfolio decisions were actually made - Designed a group operating model linking product priorities to funding and portfolio economics - Built a portfolio and unit-economics view for group and country leadership - Set a performance cadence connecting weekly commercial decisions to portfolio outcomes - Supported leadership through the first operating cycles WHAT CHANGED Growth decisions moved onto one portfolio view. Funding, product and risk priorities are now argued from the same numbers in the same meeting, and portfolio economics are managed as a weekly routine rather than a reporting afterthought. Capital & Funding Product & Distribution Technology, Risk & Operations [Explore Scale →](/what-we-do#scale) CASE 02 · BANK PARTNERSHIP | CENTRAL ASIA ## Designing a new retail lending proposition A commercial proposition, financial model and operating blueprint built around the bank's growth and profitability objectives. CONTEXT A regional bank exploring a new retail lending proposition, with the partnership and operating design still open. The mandate was to shape the proposition and the blueprint to run it. THE CONSTRAINT The opportunity was clear at board level, but there was no connected view of product, pricing, risk and operations to decide against. WHAT WE DID - Assessed the market and the bank's starting position - Designed the commercial proposition and pricing logic - Built the financial model behind the launch decision - Defined the operating blueprint across risk, technology and servicing - Prepared the launch roadmap with the bank's leadership team WHAT CHANGED The proposition moved from an idea to a decision-ready design. The board discussion shifted from whether to lend to how to launch, with the model, blueprint and roadmap in one package. Product & Distribution Capital & Funding Technology, Risk & Operations [Explore Launch →](/what-we-do#launch) CASE 03 · FINTECH PLATFORM | EUROPE ## Building the data and operating layer for scalable lending A practical roadmap linking reporting, decisioning, automation and funding requirements to the target operating model. CONTEXT A European fintech platform scaling its lending operation on infrastructure built for an earlier stage. The mandate covered the data and operating layer for the next phase of growth. THE CONSTRAINT Reporting, decisioning and automation had grown as separate fixes, so scaling volume meant scaling manual work, and funding conversations lacked a reliable data foundation. WHAT WE DID - Audited the data, reporting and decisioning landscape - Prioritised automation and decisioning use cases by operating value - Designed the target data and operating architecture - Linked funding requirements to the reporting roadmap - Set implementation governance with the internal team WHAT CHANGED The platform gained one roadmap connecting reporting, decisioning and automation to funding requirements, owned by the internal team and sequenced by operating value rather than by tooling preference. AI & Data Technology, Risk & Operations Capital & Funding [Explore Transform →](/what-we-do#transform) CASE 04 · BNPL PLATFORM | MENA ## Turning merchant activation into a managed growth system An activation framework linking merchant onboarding, early transaction behaviour and commercial team cadence to portfolio outcomes. CONTEXT A BNPL platform in MENA growing merchant coverage faster than merchant performance. The mandate was to turn merchant activation into a managed growth system. THE CONSTRAINT Merchants were onboarded but not activated. Early transaction behaviour was not read as a signal, and the commercial team's routine was disconnected from portfolio outcomes. WHAT WE DID - Analysed onboarding and early transaction behaviour across the merchant base - Designed an activation framework from onboarding to steady transacting - Connected commercial team cadence to activation and portfolio signals - Built the management view for weekly activation decisions - Supported the rollout with the commercial leadership WHAT CHANGED Merchant activation became a managed weekly system rather than a sales afterthought. The commercial team now works to activation signals connected to portfolio outcomes. Product & Distribution AI & Data [Explore Scale →](/what-we-do#scale) CASE 05 · CONSUMER LENDER | EASTERN EUROPE ## Restoring portfolio economics in a stressed market A turnaround programme rebuilding underwriting, collections and unit economics under severe market disruption. CONTEXT A consumer lender in a market under severe disruption, with portfolio performance deteriorating across vintages. The mandate was a turnaround of underwriting, collections and unit economics. THE CONSTRAINT Underwriting and collections were reacting to the market instead of managing it. Decisions lagged the data, and unit economics were visible only after the quarter closed. WHAT WE DID - Rebuilt the underwriting view around current vintage behaviour - Reset collections priorities and routines against portfolio segments - Established a weekly unit-economics and portfolio review - Aligned funding and origination volume with what the portfolio could carry - Worked alongside management through the stabilisation period WHAT CHANGED Collections performance became a managed weekly routine rather than a quarterly surprise, and origination decisions are now taken against current portfolio behaviour rather than last quarter's report. Technology, Risk & Operations AI & Data Capital & Funding [Explore Transform →](/what-we-do#transform) CASE 06 · CONSUMER LENDER | CENTRAL EUROPE ## Automating origination and decisioning end to end A lending automation programme connecting origination flow, decisioning logic and operational handoffs. CONTEXT A consumer lender running origination and decisioning on manual handoffs between systems and teams. The mandate was to automate the flow end to end. THE CONSTRAINT Each application crossed several tools and queues, so throughput depended on headcount and decisioning logic was applied unevenly. WHAT WE DID - Mapped the origination flow from application to payout - Redesigned decisioning logic as one governed rule set - Automated handoffs between origination, decisioning and servicing - Selected vendors against the target architecture - Governed implementation with the internal delivery team WHAT CHANGED Origination now runs as one automated flow with decisioning applied consistently, and the operating conversation moved from clearing queues to improving the logic. AI & Data Technology, Risk & Operations [Explore Transform →](/what-we-do#transform) ENGAGEMENTS ARE CONFIDENTIAL BY DEFAULT. CLIENT NAMES AND FIGURES APPEAR ONLY WITH WRITTEN APPROVAL. ## Working on something similar? We can walk through the closest relevant work in a conversation. [Discuss a relevant case](/#contact) or write to hello@finsurfers.agency --- # Terms & Conditions | FinSurfers URL: https://finsurfers.agency/terms/ > Read the Terms and Conditions for using FinSurfers services and website. TERMS OF SERVICE # Terms & Conditions Effective Date: November 17, 2025 ## 1. Introduction Welcome to FinSurfers. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. ## 2. Use of Website ### 2.1 Permitted Use The content on this website is provided for informational purposes only. You may view, download, and print content from this website for your personal, non-commercial use, provided you do not modify any content and retain all copyright and proprietary notices. ### 2.2 Prohibited Activities You agree not to: - Use the website in any way that violates applicable laws or regulations - Attempt to gain unauthorized access to any portion of the website - Interfere with or disrupt the website or servers or networks connected to the website - Use the website to transmit any harmful, offensive, or illegal content - Collect or harvest any information from the website using automated means ## 3. Intellectual Property All content on this website, including text, graphics, logos, images, and software, is the property of FinSurfers or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this website without our express written permission. ## 4. Services ### 4.1 Service Description FinSurfers provides consulting services related to financial services, digital lending, and fintech operations. Specific service terms will be outlined in separate engagement agreements. ### 4.2 No Professional Advice The information on this website is for general informational purposes only and does not constitute professional, legal, financial, or regulatory advice. You should consult with appropriate professionals for specific advice tailored to your situation. ## 5. Limitation of Liability To the fullest extent permitted by law, FinSurfers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from: - Your use or inability to use the website - Any unauthorized access to or use of our servers - Any interruption or cessation of transmission to or from the website - Any bugs, viruses, or similar issues transmitted through the website - Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted or transmitted through the website ## 6. Disclaimer of Warranties The website and all content are provided "as is" and "as available" without any warranties of any kind, either express or implied. FinSurfers disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. ## 7. Links to Third-Party Websites Our website may contain links to third-party websites that are not owned or controlled by FinSurfers. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that FinSurfers shall not be responsible or liable for any damage or loss caused by your use of any third-party websites. ## 8. Privacy Your use of the website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices. ## 9. Changes to Terms We reserve the right to modify these Terms and Conditions at any time. We will notify you of any changes by posting the new Terms and Conditions on this page and updating the "Effective Date" above. Your continued use of the website after any changes constitutes your acceptance of the new terms. ## 10. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of Latvia, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Latvia. ## 11. Contact Information If you have any questions about these Terms and Conditions, please contact us at: Email: hello@finsurfers.agency Location: Riga, Latvia Questions? Write to hello@finsurfers.agency. --- # What We Do | FinSurfers URL: https://finsurfers.agency/what-we-do/ > FinSurfers works with leadership teams when a credit business needs to be launched, scaled or rebuilt. WHAT WE DO # Three moments when we create the most value. We work with leadership teams when a credit business needs to be launched, scaled or rebuilt. Each engagement connects capital, product and distribution, AI-driven decisioning, and operating infrastructure around one portfolio and one P&L. [01LAUNCH](#launch) [02SCALE](#scale) [03TRANSFORM](#transform) OUTCOME 01 · LAUNCH ## Turn an opportunity into an operating credit business. For new products, markets, ventures and bank partnerships. We connect the business case with the product, risk model, technology and launch plan. WHEN THIS IS THE RIGHT CONVERSATION - A new lending product or credit vertical is on the table - Entry into a new country or segment - A bank, fintech or JV partnership needs a commercial and operating design - A greenfield venture needs to become an operating business SCOPE - Market and opportunity assessment - Business model and financial plan - Product, pricing and distribution design - Risk and operating model - Partner and vendor structure - Launch roadmap and execution support WHAT YOU GET - Business case and financial model - Product and pricing design - Risk and operating model - Partner and vendor structure - Launch roadmap - Launch execution support HOW THE ENGAGEMENT RUNS Launch work usually begins in Advise, where the business case, model and roadmap are built and agreed. It moves into Build alongside the internal team, and can extend into Operate where the venture needs senior execution capacity through the first operating cycles. RELATED WORK [Designing a new retail lending proposition →](/selected-work#case-02) [All selected work →](/selected-work) OUTCOME 02 · SCALE ## Grow the portfolio without losing the economics. For lenders that need funding, distribution and portfolio performance to move together. We align commercial growth with risk, capital and operating capacity. WHEN THIS IS THE RIGHT CONVERSATION - Funding is constraining a portfolio that the market would absorb - Acquisition grows but portfolio economics deteriorate - Collections or risk performance drags the P&L - Reporting does not support weekly commercial decisions SCOPE - Funding and capital strategy - Acquisition and partner channels - Portfolio and unit-economics management - Credit risk and collections performance - Organisation and operating model - Management reporting and performance cadence WHAT YOU GET - Funding and capital strategy - Channel and partner plan - Portfolio and unit-economics framework - Risk and collections priorities - Management reporting and performance cadence - Organisation and operating model HOW THE ENGAGEMENT RUNS Scale work starts with a diagnostic of where growth actually breaks: funding, acquisition, risk, data or capacity. The programme is then built around the two or three constraints that move the P&L, and can stay through implementation and operating rhythm. RELATED WORK [An integrated model for controlled portfolio growth →](/selected-work#case-01) [Merchant activation as a managed growth system →](/selected-work#case-04) OUTCOME 03 · TRANSFORM ## Make data, AI and infrastructure operational. For financial companies replacing fragmented processes with better decisioning, automation and scalable operating infrastructure. WHEN THIS IS THE RIGHT CONVERSATION - Data exists but decisions are still manual - Reporting is rebuilt by hand every month - Decisioning logic is legacy, opaque or vendor-locked - AI pilots exist but nothing reaches production value SCOPE - Data foundation and management reporting - AI use cases with measurable operating value - Underwriting and decisioning - Collections and service automation - Architecture and vendor selection - Implementation governance WHAT YOU GET - Data foundation and management reporting - Decisioning and underwriting design - Collections and service automation - AI use cases with measurable operating value - Architecture and vendor selection - Implementation governance HOW THE ENGAGEMENT RUNS Transform work is sequenced from the operating decision backwards: which decisions must improve, what data and logic they need, and what infrastructure carries them. Implementation is governed jointly with the internal team so the capability stays in the company. RELATED WORK [The data and operating layer for scalable lending →](/selected-work#case-03) [Restoring portfolio economics in a stressed market →](/selected-work#case-05) ## What needs to grow next? Tell us what you are launching, scaling or rebuilding. [Discuss a growth opportunity](/#contact) or write to hello@finsurfers.agency