Board of Directors
The Board of Directors is responsible for the Group’s general affairs and strategy. Duties of the Board of Directors are divided among its members.
Home Credit – as a group of companies – is committed to high standards of corporate governance and to maintaining a sound framework through which the strategy and objectives of the Group are set, and the means of attaining these objectives and monitoring performance is determined.
The Board of Directors is responsible for the Group’s general affairs and strategy. Duties of the Board of Directors are divided among its members.
The Non-Executive Directors are, inter alia, responsible for the supervision of the Executive Directors and assist the Executive Directors by providing advice.
The Executive Directors are entrusted with managing the day-to-day affairs of the Group and are responsible to achieve the Group’s objectives, strategy and the accompanying risk profile.
PPF Group operates in 25 countries spanning Europe, North America, and Asia. The Group invests in multiple sectors, including financial services, telecommunications, media, biotechnology, real estate and engineering.
PPF Group N.V. shareholders are:
Renáta Kellnerová and family: 100%
PPF Group N.V. holds a 100% shareholding in Home Credit Group through PPF Financial Holdings a.s.
Registered office:
Strawinskylaan 933, 1077 XX Amsterdam, Netherlands; incorporated in the Commercial Register of the Chamber of Commerce and Industry for Amsterdam under registration number 33264887
More information:
www.ppf.eu
Home Credit Group’s management comprises the Board of Directors, Group executive management, and country management.
The Group Executive Committee was formed to oversee the commercial affairs and operating activities of the Group globally and in all countries. Members of the Group executive management and country CEOs are members of the Group Executive Committee.
Our key business functions are centralised and vertically integrated, including risk, finance and IT management. This vertically integrated management structure makes our organisation more efficient, as we can share expert knowledge drawn from the various markets in which we operate.
Joined Home Credit in 2015.
Radek Pluhar assumed the role of Chief Executive Officer of Home Credit Group in 2023. Prior to his appointment, he operated as Chief Risk Officer in 2016. In 2022, he also took on the role of Group Chief Financial Officer to his portfolio. He joined Home Credit from Equa Bank, where he served as Chief Risk Officer and Vice-Chairman of the Board.
Mr Pluhar has many notable achievements in a career which spans from portfolio management and investment strategies, through credit products and processes for SMEs and big businesses, up to commercial and credit risk management. His extensive work experience includes time at several Czech banks and international investment companies.
Mr Pluhar graduated from Prague’s University of Economics and holds a PhD in Finance.
Joined Home Credit in May 2007.
Pavel Rozehnal joined Home Credit from Linklaters, the international law firm, where he worked as an associate and later as an advocate for more than seven years advising major multinational and Czech corporations on M&A projects and corporate law.
As Executive Director and Chief Legal & Compliance Officer, Mr. Rozehnal was responsible for Home Credit Group’s legal & compliance organization and all of the Group’s legal operations, including M&A projects. He was appointed as Member of the Board of Directors of Home Credit International in October 2009 and was appointed to his role as the chairman of that Board of Directors in June 2011. In April 2024, he stepped down from his role as Group Chief Legal & Compliance Officer to take on the role of Chief Legal & Regulatory Officer at PPF Telecom Group.
Mr. Rozehnal attended Charles University in Prague where he graduated with a Master’s Degree from the Law Faculty. He is a qualified solicitor of the Senior Courts of England and Wales and a member of Czech Bar Association.
Joined Home Credit in 2018.
Vendula Chižňaková brings 20 years of experience from the financial services sector to her role as Group CFO at Home Credit. Her career includes long stints at GE Money, Czech Republic where she took on a series of diverse roles, including Head of Financial Planning & Analysis and Productivity Lead. Following her decade with GE Money, Vendula held senior roles with International Personal Finance – including membership of the Board of Directors as CFO Czech & Slovakia.
Since joining Home Credit in 2018, she has been responsible for Group Financial Planning & Analysis and serves as an Executive Director and Chief Financial Officer for the business.
Joined Home Credit in April 2017.
Mr. Jean-Pascal Pierre A. Duvieusart was appointed as a Director of the Company in March 2017, and was redesignated as a Non-Executive Director in June 2019. He became a Chairman of the Board and Non-Executive Director, Home Credit N.V. in January 2023.
Mr. Duvieusart joined McKinsey & Company in May 1992. He was a partner at McKinsey & Company from January 1998 to June 2004 and a senior partner at McKinsey & Company from July 2004 to January 2010.
Since September 2011, Mr. Duvieusart has been a non-executive member of the board of Polymetal International plc, a precious metals mining group operating in Russia and Kazakhstan (which is listed on the London and Moscow Stock Exchanges). Mr. Duvieusart has also served as a director of Home Credit Group B.V. since August 2018.
He graduated from the University of Chicago in the United States with a Master of Business Administration in March 1992.
Mel Carvill was appointed as a Director of the Company in May 2012, and was redesignated as a Non-executive Director in June 2019.
Mr. Carvill joined the Group in May 2012. Mr. Carvill has also served as a director of Home Credit Group B.V. since August 2018.
Before joining the PPF Group, Mr Carvill worked at and held a number of senior positions in Assicurazioni Generali S.P.A. Group from April 1990 to December 2008. From February 2009 to December 2014, Mr. Carvill held the position of President and Chief Financial Officer of PPF Partners, the PPF Group-backed international private equity firm. Mr. Carvill has served as a member of the board of directors of ClearBank Limited, a UK clearing bank, since April 2016.
Mr. Carvill has served as an independent non-executive director and chair of the risk committee of Sanne Group PLC (which is listed on the London Stock Exchange) since January 2018. He has served as a non-executive chairman of Financial Services Opportunities Fund Ltd (which is listed on The International Stock Exchange) since September 2016.
Mr. Carvill has been a Fellow of the Institute of Chartered Accountants in England and Wales since January 1996, an Associate of the Chartered Insurance Institute since September 1989, a Chartered Insurer since January 1995, and a Fellow of the Chartered Institute for Securities and Investment since January 2001.
Joined Home Credit in 2015.
Radek Pluhar assumed the role of Chief Executive Officer of Home Credit Group in 2023. Prior to his appointment, he operated as Chief Risk Officer in 2016. In 2022, he also took on the role of Group Chief Financial Officer to his portfolio. He joined Home Credit from Equa Bank, where he served as Chief Risk Officer and Vice-Chairman of the Board.
Mr Pluhar has many notable achievements in a career which spans from portfolio management and investment strategies, through credit products and processes for SMEs and big businesses, up to commercial and credit risk management. His extensive work experience includes time at several Czech banks and international investment companies.
Mr Pluhar graduated from Prague’s University of Economics and holds a PhD in Finance.
Joined Home Credit in 2018.
Vendula Chižňaková brings 20 years of experience from the financial services sector to her role as Group CFO at Home Credit. Her career includes long stints at GE Money, Czech Republic where she took on a series of diverse roles, including Head of Financial Planning & Analysis and Productivity Lead. Following her decade with GE Money, Vendula held senior roles with International Personal Finance – including membership of the Board of Directors as CFO Czech & Slovakia.
Since joining Home Credit in 2018, she has been responsible for Group Financial Planning & Analysis and is now Chief Financial Officer for the business.
Vendula holds a doctorate in Sociology and a master’s degree in Economics from Charles University in Prague.
Joined Home Credit in 2024
Petr Přecechtěl is a Prague based risk professional, with nearly 20 years of experience in the financial services sector. Alongside his role as Chief Risk Officer for Home Credit Group, Mr Přecechtěl also serves as Chief Risk Officer for PPF Financial Holdings, Home Credit’s parent company.
Prior to taking his position with Home Credit and PPF, Mr Přecechtěl served in senior risk roles at one of the Czech Republic’s largest commercial banks and with the global professional services company, EY.
Mr Přecechtěl is a member of the Supervisory Board at AirBank and also sits on the Board of Directors for PPF Financial Holdings. He holds a master’s degree from the University of Economics in Prague.
Joined Home Credit in 2020.
Lucie Edwards brings a wealth of financial services experience to her role as Group Chief People Officer at Home Credit. Prior to joining Home Credit, Lucie spent 12 years with pan-European banking group UniCredit with postings in Milan and Vienna overseeing planning, compensation and benefits disciplines globally. She has focused on multiple People related issues in recent years, including Diversity & Inclusion and ongoing work around the gender pay-gap.
She enjoys snowboarding in her spare time and holds an MBA from Sheffield Hallam University in the UK.
Joined Home Credit in 2007.
Jakub Kudrna is Chief Strategy Officer at Home Credit Vietnam. Mr Kudrna joined Home Credit from GE Money Czech and Slovak Republic, where he served as Chief Risk Officer. Initially at Home Credit, Mr Kudrna held the post of Group Chief Risk Officer for Europe, later moving to serve in Russia at Home Credit Finance bank as Chief Risk Officer. Prior to taking up his post in Vietnam, Mr Kudrna served as Home Credit Group Chief Risk Officer.
Mr Kudrna brings extensive risk management expertise to his role, gained from over 20 years of experience operating in Russian, European and Asia markets. He also holds a PhD in Physics from Charles University, Prague.
Martin Šeda has a long and distinguished background in the legal profession. Since joining Home Credit Group over seven years ago, he has served as the Group’s Legal Manager, ensuring the consistent application of compliance and corporate values across the business. Prior to his time with Home Credit Group, he also served in senior roles at firms such as Kinstellar and Hogan Lovells.
Mr Šeda holds a Master of Laws, from the Central European University and is a graduate of Charles University.
Joined Home Credit in 2016.
Jan Cenkr oversees all Information Technology issues for Home Credit Group. He brings a wealth of technology and management experience gained from a career of over 20 years in the industry. He joined from electrical power business, ČEZ where he was director of IT operations. At Home Credit, he was most recently CIO of Home Credit Bank Kazakhstan and previously, head of software development at that business.
Earlier in his career, Mr Cenkr held technology roles for multinationals in Japan and Australia.
Joined Home Credit in February 2008.
Ondrej Kubik has over 13 years of experience in financial controlling, performance management and financial consultancy as well as in business intelligence. Prior to joining Home Credit, he held various positions in the financial industry, both at commercial banks and investment traders. Over the last six years he has had various strategic roles within Home Credit Group, among them as a business intelligence officer, Deputy Head of Finance and Controlling in the company’s headquarters, and as Country Chief Financial Officer in Kazakhstan (2010-2012). He has worked in several countries including the Czech Republic, Kazakhstan and Belarus. From 2012 he served as Country Chief Financial Officer in Belarus. In September 2014, Ondrej Kubik returned to Almaty as Chief Executive Officer of Home Credit Kazakhstan, a position he held for four years. After completing his term in Kazakhstan, Ondrej was appointed Chief Executive Officer of Home Credit India in August 2018.
Mr Kubik graduated from the University of Economics in Prague with a master’s degree in finance and commercial law and has a diploma from the CFO Academy in London. Mr Kubik has been an ACCA Member since 2002 and a Chartered Financial Analyst since 2006.
Jean joined Home Credit after a long career in Citigroup going back to 1997, where he worked his way up from an analyst in the Financial Institutions group to Managing Director in the CEEMEA group. He spent time in London, Beijing and New York, and advised on dozens of notable strategic transactions, including lending his expertise to banks and other financial services providers as well governments in high-profile mergers, acquisitions, divestitures and strategic capital raising. Prior to his work at Citi, he was a consultant at Deloitte in their capital markets division.
Jean is a Certified Public Accountant, and has a Master’s degree in Accounting from Pace University’s Lubin School of Business. His first degree was a Bachelor’s in Business Administration and Economics.
He now serves as M&A Technical Director at Home Credit’s parent company, PPF Group.
Home Credit N.V.’s Articles of Association set out the internal organisation of the Company and the roles of its internal bodies.
Home Credit Group's auditor is KPMG.
