About Nibble

Nibble is a financial platform that connects investors and lenders throughout Europe. The investment guarantee is much safer because the loans are issued by the companies which are part of the IT Smart Finance Group which are:

  • joymoney
    • Russia
    • Spain
    • Mexico 2020

The Joymoney brand has been working in the field of alternative loans since 2014. The company is based in Russia and operate in Russia and Spain. Mexico’s operation is scheduled for 2020. Joymoney's mission is to provide their customers with the opportunity to solve their financial difficulties quickly and safely. The company use their own innovative developments, including patented software solutions, big data analysis, scoring model system and risk management solutions. The company guarantees reliability for customers and investors.


Our products

    Short-term loans (PDL):
  • dollar Loan amount - up to € 500;
  • time Loan term - up to 30 days;
    Installment loans: (Installment):
  • dollar Loan amount - up to € 1000;
  • time Loan term - up to 90 days;

Nibble is based on the «Peer 2 portfolio» model. We offer investors the opportunity to invest in alternative loans simply and safely. Nibble offers investors a Buyback guarantee even if the loan is past overdue more than 60 days.

Nibble allow investors to create an investment portfolio in a fully automated way. The investor can establish the portfolio parameters and preferences like the minimum and maximum investment amounts, countries to invest, etc.

One of the main Nibble’s features is that it offers investors a return on investment of up to 12%, exceeding the average profitability of the market.

О ниббл

Our values



Partners and investors are our team to achieve success. We try to establish open relationships with all market members.



We have extensive experience in the FinTech industry, and we know what our client needs.



We are constantly searching for technological innovations.

Our team

Maxim Pashchenko

Maxim is an international businessman experienced in innovative technologies and supportive of fresh, up-and-coming business trends. He has over 12-years’ experience in business management, having founded his first company in 2007. In a short time, Maxim has become one of the most well-known and successful entrepreneurs in his region. In 2013, he created a team of talented IT developers, which created a unique Fintech platform for online consumer lending services. This platform is now the corner stone of several fast-growing Fintech companies. Maxim studied engineering at one of the leading universities in Siberia, he was known for its powerful academic potential. He also received financial and economic training at the Moscow Business School. He enjoys winter sports and promotes animals and environment protection.

Ivan Sharafiev
Chief Business Officer

Ivan Sharafiev graduated in Economics at the ESERP business school (Madrid, Spain), one of the most reputable business centers in the country. He completed his training with a master's degree in International Relations and Foreign Trade at the ESERP business school in Barcelona. In 2015, he held the position of the Gazprom Vice President's Assistant. Gazprom is the Europe and Turkey largest gas supplier. Ivan loves martial arts and reached the title of black belt in the Taekwondo WTF championship. In addition, he has been the winner of several Asian and international championships. He is a true competitor.

Marina Smirnykh
Chief Executive Officer

Before joining IT Smart Finance, Marina has worked for more than 20 years in senior positions at top banks, such as Home Credit Bank and Sberbank. During the development of her professional career, Marina focused on the consumer loan sector. She acquired extensive experience in this area at the FinTech company called Joymoney, which she headed since 2014. Joymoney has become one of the most famous and fastest growing brands in Russia’s online consumer lending market. Marina has a University degree in Economics Management. She supports a healthy lifestyle and dedicates her free time to stay at home with her family. She also supports charities which help children with bad health and hard diseases.

Maria Veikhman
Head of Risk Department

Maria has more than 15 years of experience in IT sector and 5 years of experience in the credit business sector. He studied a Mathematics degree at the National Research Polytechnic University of Perm and complemented her training with a master’s in business administration and International e-commerce Management at Yeditepe University, in Turkey. Finally, she completed her business practices at the Franklin’s University in the USA. In 2013, when she realized how difficult it is to find good credit evaluation specialists, Maria founded a company called “Scorista”, which offers a risk management service for non-bank lenders and alternative organizations which provides instant credit decisions: "Approved" or "Rejected". The service is equipped with the best technology and allows companies to analyze data to approve or reject operations in a fast way and a forecast accuracy of a 93%.

Vladimir Shepelev
Chief Information Officer

Vladimir is a qualified mathematician engineer in the field of programming and the creation of scalable IT systems. For 16 years, Vladimir led the development team of MTS, the TOP 2 mobile operator in the CIS region. He is the author of several unique IT solutions and technologies. Vladimir loves mountaineering and his greatest achievement was reaching the Mont Blanc crest, the highest crest of the French Alps with 4.810 meters of altitude.

Tatiana Kolodchenko
Сhief Financial Officer

Tatyana is a financial expert with more than 15 years of experience. She has headed high positions in recognized companies such as Coca-Cola HBC, Johnson & Johnson and IDFinance. He studied an MBA at ESADE (Barcelona), she had obtained the CIMA qualification (Chartered Institute of Management Accountants) in the United Kingdom and she finally completed his training with a master's degree in Economics at the University of Novosibirsk (NSU) in Russia. Tatyana is focused in achieving high business profitability. She is an expert in the strategic and operational planning field and in reaching the company’s financial objectives. Tatyana has lived and worked in several multicultural environments in different regions of the world and she defends organization’s pluralism as an important factor in growth and creativity.

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