A New Beginning with a Clear Direction
With the appointment of Konstantin Kostadinov as CEO, Viva Credit confidently enters the next phase of its development. For 13 years, the company has been among the leading names in Bulgaria’s fast credit sector, successfully adapting to dynamic market conditions and evolving consumer expectations. Kostadinov is clear that his strategy focuses on business expansion, digitalization, and enhancing customer experience.
Growth and Expansion
With a clear vision for the future, Viva Credit is expanding its operations and exploring new markets where it can offer its proven financial solutions.
“We are preparing to enter a new country, a strategic step in our growth plan. With 13 years of experience in financial services, we understand the dynamics of the sector, the needs of our clients, and how to provide flexible, accessible, and transparent financial solutions. We are actively working on research and partnerships to ensure that our new markets benefit from our strong products and excellent customer service,” says Kostadinov.
Beyond geographical expansion, Viva Credit plans to invest in and integrate a BNPL (Buy Now, Pay Later) brand tailored to the Bulgarian market. The company will also expand its product portfolio with new solutions for in-office customers.
“This is just the beginning of a larger transformation for the company, demonstrating the scale of our ambitions,” he adds.
Innovation and Strategic Focus
With extensive experience in managing commercial and retail brands both in Bulgaria and abroad, Kostadinov sees technology as a key driver of growth. He emphasizes that Viva Credit will invest in solutions such as automation and artificial intelligence to optimize customer service processes, enhance digital platforms, and focus on data analysis to better predict customer trends.
“Innovation is not an end in itself—it must bring real benefits to both customers and the business. That will be our guiding principle in the coming years,” says Kostadinov.
Transparency and Social Responsibility
Viva Credit’s new leadership places a strong emphasis on trust and responsibility. Kostadinov believes that financial institutions should not merely be service providers but partners helping customers build a sustainable financial future.
“Our commitment is to operate openly and transparently, offering fair and accessible solutions for everyone. We will continue to develop socially responsible projects that support people in difficult moments,” he shares.
One of the key initiatives in this area is "Viva Life", a social campaign supporting victims of domestic violence and promoting their financial independence. The campaign provides expert information and practical guidance on recognizing and preventing abuse, as well as strategies for overcoming it. Through webinars and educational materials, Viva Life raises public awareness on topics such as child safety, online risks, and financial stability when leaving a toxic environment.
Leadership Based on Teamwork
As a leader, Kostadinov values open communication and team motivation. He believes that the best results come from unity, clear goals, and support for each employee’s individual potential.
“Success is not an individual achievement but the result of the entire team’s efforts,” he emphasizes.
The Future of Viva Credit
Looking ahead, Konstantin Kostadinov is confident that Viva Credit will continue to drive innovation in the sector.
“Our mission is to provide fast, secure, and accessible financial solutions that make people’s lives easier. By striking the right balance between technology, transparency, and customer care, we can achieve even greater success,” he concludes.
With this strategic approach and a strong drive for growth, Viva Credit reaffirms its commitment to being a trusted partner for its customers and a leader in financial innovation.