Premia Solutions - 1 copy 1

Credissimo Unifies QA + Performance Management with Scorebuddy


Credissimo is a leading FinTech company delivering online consumer loans and financial services across Bulgaria, North Macedonia, and Latin America. With nearly 20 years of experience, the group operates with a fully digital model and 200 staff, serving more than 500,000 customers globally.

Along with the agile digital model, Credissimo is known for its in-house AI credit scoring and sophisticated automation across different business units. Since implementing Scorebuddy’s quality assurance solution, Credissimo is consistently meeting service targets: 

-    80% first contact resolution (FCR) rate
-    80%/20-second service level (SLA) target
-    5% abandonment rate for calls and chats

Veselin Atanasov, Senior Expert for Training and Quality Assurance, is responsible for overseeing a QA system that spans Customer Care, Telemarketing, the Credit Department, Early Collections, ICT, and Legal.

Seeking a consistent way of evaluating quality and guiding performance across all these areas, Veselin found Scorebuddy and used it to unify QA evaluations, reporting, and performance management on one platform.

“Scorebuddy gave us an opportunity to create a full picture of the level of service quality at Credissimo.” - Veselin Atanasov, Senior Expert, Training and Quality Assurance, Credissimo

From Challenge to Results: Credissimo’s QA Journey

01 Challenge

  • Modernizing a fragmented, manual QA process (Excel + paper forms) with limited cross-team visibility
  • Scaling QA across multiple business units while maintaining evaluation consistency

Before Scorebuddy, Credissimo’s QA process was largely manual and quite fragmented. Managers used Excel to track evaluations, and their monthly feedback forms were still paper based.

With dated tools and a disconnected system, it was difficult to compare performance across different people, teams, and departments. As a result, it was virtually impossible to identify agent strengths and weaknesses accurately enough to take action.

Given the impressive scale of Credissimo’s operations, Veselin also needed a way to scale the QA function beyond customer support conversations. This meant finding a way to evaluate the handling of credit applications, case work in IT and Legal, and more—all while maintaining consistent criteria, transparent KPIs, and a reliable monthly evaluation cadence.

Prior to Scorebuddy, Veselin didn’t have a single source of truth for QA and appraisals. This made it tough for leaders to align on goals, deliver effective coaching, or tie QA results to bonuses and incentives.

02 Solution

  • Centralize QA on Scorebuddy using standardized scorecards and multi-level reporting
  • Give managers and agents full confidence in the performance management process

Credissimo established Scorebuddy as the backbone of its cross-functional QA program.

Veselin and the team use Scorebuddy to evaluate voice and chat conversations, assess the processing of credit applications, and review cases in IT and Legal. To do so, they apply clear scorecards and criteria across every one of these functions.

From a management perspective, leadership at Credissimo are using Scorebuddy’s reporting suite to view performance at multiple levels; individual, team, and department. This enables targeted coaching and more timely feedback. The process for setting goals and giving feedback is now transparent, with improved visibility for both managers and agents.

Ultimately, this initiative to formalize the QA evaluation process with a specialist platform has removed the need for paper forms and spreadsheets.

03 Result

  • A transparent, data-driven QA program resulting in improved agent engagement and accountability
  • Consistent performance for customer service KPIs like FCR, SLA, and abandonment rate

Credissimo now has a unified, data-driven overview of service quality across Customer Care, Telemarketing, Credit, Early Collections, IT, and Legal. With this huge leap in visibility, leaders can now track progress against operational targets with full confidence that quality practices are applied consistently over time.

Scorebuddy allows Veselin and the team to assure critical customer service KPIs, including an 80% first contact resolution (FCR) rate, 80%/20-second service level (SLA) target, and 5% abandonment rate for calls and chats. Not to mention sales performance tracking and process monitoring in the Credit, IT, and Legal units.

All of this allows managers at Credissimo to tie coaching back to real-world evaluation results, safe in the knowledge that these evaluations are consistent and accurate.

The impact on company culture is clear, too. Now, agents understand exactly what is expected and how their work will be evaluated. This QA transparency has allowed for the introduction of an easy-to-track bonus scheme, leading to marked improvements in accountability and engagement.

And, with the introduction of Scorebuddy’s LMS, training is easier to manage and more impactful.

What Credissimo Says About Us

Partnering with a company like Scorebuddy has helped us accelerate our AI-first customer service strategy in the critical area of Quality Assurance. Scorebuddy’s commitment to leveraging AI to radically transform how QA can be carried out at scale made the solution the best fit for Intercom.

Veselin Atanasov
Veselin Atanasov Senior Expert, Training and Quality Assurance, Credissimo
credissimo - 2 copy 1