Creditcare is Pivotal

We are here to transform the way people access credit and help millions of people take control of their finances and save for the future.

Our leaders share a vision of expanding financial opportunities for all through responsible innovation. With our comprehensive distribution partners and enterprise clients, we move the needle for millions of consumers in key emerging economies. Our diverse and skilled teams work continuously to deliver quality products that change stagnant country markets and noticeably improve financial lives.

Julia G.Ko
Julia G.Ko Founder
Julia is a visionary founder with an innate ability to understand market needs, and a successful track record of implementing multidimensional Go-To-Market strategies resulting in thousands of customers.

Julia has a passion to develop useful products and collaborate with cross-cultural teams to deliver quality outcomes in very challenging regulatory environments. She is responsible for product creation, regulatory matters, marketing strategy and distribution networks in complex markets.

Alex Dulka
Alex DulkaGeneral Manager, APAC
Alex is a senior manager responsible for supporting partner accounts across markets, risk management and financial compliance.

He possesses a wide breadth of experience in start-ups, financial services, business development, retail banking and consumer finance. As Special Projects Lead, at Home Credit, he oversaw 150+ people with 10 direct reports and led risk transformation projects using big data, AI to standardize, streamline and manage the credit process.

Denise Williams
Denise WilliamsCountry Manager, Nigeria
As Country Manager, Denise is responsible for large scale distribution and name brand Nigerian partners. She also oversees customer acquisition, product life cycle, operations and profitability for the Nigerian market.

Denise’s professional career evolved from managing teams in the healthcare sector at Kaiser Permanente, Gilead Science, Abbott Labs, and California Department of Public Health to co-founding the SV-NED. Denise received her BS, UC Riverside and MBA, Golden Gate University, San Francisco. She serves on the board of Global Connection for Women Foundation, Sky Clinic Connect and Numly.