Global Credit Platform
Building the next generation of credit infrastructure across emerging markets
We operate at the intersection of credit, payments, and real-world asset ecosystems — powered by proprietary risk scoring technology that enables precise, scalable, and disciplined lending.
We take risk, price it right, and manage it better — to generate superior returns at scale.
Yusr is an international fintech company focused on delivering accessible, technology-driven financial solutions across high-growth markets.
We combine proprietary risk scoring technology, deep local execution, and embedded financial products to deliver sustainable, risk-adjusted growth across markets.
We don’t build abstract financial layers — we build products used daily by people and businesses.
Yusr operates as a multi-market credit platform, combining proven local execution with scalable international deployment. Our growth model is built on:
Jet Finance represents our core operating business in Kazakhstan, while Yusr drives international expansion and product development.
We combine deep local market knowledge with world-class technology to deliver financial solutions that work in the real world. Our teams operate across Kazakhstan and UAE, bringing together expertise in credit risk, technology, and financial services to build products that serve millions.
We build financial products directly into industries where financing is essential.
Embedded Finance
Financing integrated at the point of need, directly into ecosystems where capital flows daily.
Asset-Backed Lending
Credit secured by real-world assets, enabling disciplined risk-taking with strong recovery fundamentals.
BNPL for Essential Services
Flexible financing for high-frequency, necessity-driven spending in healthcare, education, and automotive.
Mobility Financing
End-to-end vehicle acquisition and usage models integrated directly into dealership workflows.
Every product is designed to generate strong unit economics and consistent risk-adjusted returns.
Our model is proven in Kazakhstan through Jet Finance and is now being deployed internationally via Yusr.
Established · Scaled · Profitable
A fully developed credit platform with integrated products across the automotive and consumer finance ecosystem.
$100M+
Loan portfolio
10K+
Active clients
B
Fitch Positive
$20M
ALMA facility
Products
Secured auto lending with fast approvals and asset-backed risk structure
Asset tracking and risk management system supporting portfolio control and recovery
International Expansion · Scaling
Next-generation embedded finance solutions designed for scale in international markets.
2025
Launch year
Deem
Partnership
3
Products live
MENA
Regional focus
Products
Buy Now, Pay Later for essential services — healthcare, education, automotive
Lease-to-own vehicle financing integrated directly into dealership workflows
Flexible financing for SMEs on digital platforms — e-commerce, retail, and service marketplaces
All products are powered by proprietary risk scoring technology, ensuring consistent underwriting, scalable growth, and disciplined portfolio performance across markets.
Our operating platform is supported by a diversified and institutional-grade funding base, including:
Active presence on the Kazakhstan Stock Exchange (KASE)
Distribution through international investment platforms such as Mintos and Esketit
Kazakhstan funding partnerships, including a $20 million facility from ALMA Sustainable Finance
Our proprietary risk scoring technology is designed for real-world, high-frequency lending environments, particularly in underserved and data-scarce markets.
It combines:
This allows us to price risk accurately, scale efficiently, and maintain disciplined portfolio quality across markets.
Core Architecture
Built for underserved, data-scarce markets
Combines alternative data, behavioral signals, and ML to make credit decisions where traditional scoring fails.
99%
Automated decisions
<2min
Approval time
Scoring & Underwriting
Proprietary credit scoring and AI models enabling precise risk assessment
Collections Excellence
Data-driven recovery systems ensuring strong portfolio quality
Access to Capital
Proven ability to raise funding across market cycles
Regulatory & Institutional Relationships
Strong engagement enabling market access and long-term stability
Technology & Innovation
Modern infrastructure supporting automation and scalable growth
Step 01
Take disciplined credit risk
Step 02
Price it accurately
Step 03
Manage and collect better than others
Step 04
Fund efficiently
Result
Generate superior profit per unit of risk
We dynamically allocate capital across products and geographies to maximize risk-adjusted returns.
Embedded Finance & BNPL Solutions — Deem Finance x YUSR
Jet Finance Ranks Among Top 10 MFOs in Kazakhstan
Jet Finance heads to the 28th MFC Annual Conference in Albania
Jet Finance MCA: first partner, first deal — Alsep.kz
Fitch Ratings upgrades Jet Finance rating and revises outlook to Positive
Jet Finance Receives KASE Award for High Standards of Transparency
Jet Finance Loans Now Available on Esketit
Jet Finance secures up to $20 million from Almavest