Ownership: TCS is owned by Oleg Tinkov, dubbed “the Russian Richard Branson”, a renowned entrepreneur and consumer products specialist. Goldman Sachs has a minority shareholding.
Bank: Fully-licensed bank — “Tinkoff Credit Systems Bank”, which operates a branchless, virtual network.
Platform: Scalable, end-to-end card operating platform handling customer acquisitions, servicing and payment collections:
- carefully selected specialist IT systems providing robust scalable full-service platform;
- high-tech, in-house call centre handling customer enquiries, card activations and collections.
Products: Premium brand for the mass market. Flexible, innovative product development, customer focus, and a prestige consumer brand.
Channels: Low-cost, direct mail customer acquisition channel, proven by mail-order retailers in Russia and tested successfully by TCS, to be supplemented by co-brand and white label partnerships.
Data: Intensive, real-time data analysis technology and expertise for highly iterative business development.
Management: Strong, experienced, entrepreneurial management team and employs 300+ FTEs.
TCS is a fully-operational “ramp-up” business — start-up risk is no longer present.