THE DIGITAL TRANSFORMATION OF RETAIL LENDING
The retail lending market
is in rapid and constant evolution
Regulations are becoming
increasingly complex
in all countries, making compliance
more and more difficult.
Your solution to develop tailor-made financial products via its universal platform and to manage them throughout their life cycle
End-to-end
integrated solution
Full loan life cycle management
From origination and decision to account management, servicing and collections
Omni-lending functionality
All retail loan products and activities are covered, including mortgages and SME loans, supporting any distribution channel
Reduced costs of operation
Pay-per-use model allowing to significantly reduce IT processing costs, increasing productivity and profit margins
Easy deployment & management
Fully customisable cloud-ready architecture deployable anywhere in the world on private or hybrid cloud infrastructure
Omni-channel
experience
& API ready
Runs on multiple channels such as branch, internet and mobile.
API-enabled platform ready to integrate with any third-party banking system
On-the-fly product creation
Unbeatable time-to-market
made through configuration
instead of programming.
Creating a new product
is a matter of minutes
A SOLUTION COMPATIBLE WITH ALL
BANKING ARCHITECTURES
Your solution to develop financial products via a universal platform, and to ensure that it is management throughout their life cycle.
API
gateway
Complete separation
of the API layer
from the core
APIs exposed in
a specific layer
Data
mapping
Transformer module
for mapping data via
a graphical interface
Control of multiple technologies and communication protocols
Web Services (SOAP, REST)
– Synchrone; Messaging
(JMS, AMQP) – Asynchrone ;
And more exotic methods:
FTP, FTPS, SFTP, TCP, UDP, JDBC, File
WHY CIRCEO ?
An Alliance of Business
and Fintech Expertise
An international team that resolves complex lending issues and speaks the language of their markets
Fintech experts who provide our clients with one of the most innovative and reliable loan management platforms on the market
The Loan Factory is the first platform
CONFIGURATION
100% independant
ADMINISTRATION
100% digital
TECHNOLOGY
100% secure
The Loan Factory offers a configuration engine consisting of microservices and graphical interfaces allowing business specialists to create, without coding:
- Financial products
- User interfaces
- Customer and prospect communications
- Print-outs
- Distribution processes
- Compliance rules
- Accounting rules
- Collection strategies…
OUR NETWORK
Technical partners
The platform is hosted
in cloud
or data center of IBM or ATOS
Partners with a technical offer
integrated into The Loan Factory
QuickSign: KYC, documents upload, OCR and automatic checks, electronic signature
W2 Global data: aggregation of data from external sources such as credit bureaus…
Twilio: video chat streams for subscription process
Yelloan: chatbot, scoring on open banking data
Syspertec / Synapse: connection to French negative bureau
Wirecard: card issuing, transaction authorization
PayLine: card transaction authorization
Partners who built
an offer with The Loan Factory
Implementation of the Visa Lending Platform for Visa Europe,
built from The Loan Factory
Global partnership to promote and implement the
Atos-Circeo Retail Lending Factory platform
CIRCEO
supports
One of the
leading
European
banks
A consumer
finance
specialist
A retail
bank in
Central Asia
OUR TEAM
Supervisory Board members
and key founders
Alain Breuils
Founder,
Chairman of the
Supervisory Board
40 years of multinational
experience in credit
International Director at Renault Crédit International,
CEO of Fiat Capital,
Deputy CEO in charge of Strategy and Development at Crédit Agricole Consumer Finance
Philippe Foursy
Founder
40 years of multinational
experience in
consumer finance
20 as CEO in Hungary, Taiwan, Greece,
Romania and Morocco
BNP Paribas
Personal Finance
Bertrand
Gossart
Founder, Member of the Supervisory Board
25 years of multinational
experience in consumer finance
and retail banking
CEO in Poland, Russia, Kazakhstan
Renault Crédit International,
Cetelem, SocGen, Alliance Bank, Eurasian Bank, Capital Bank
Katalin Walter
Founder
15 years at McKinsey
in Germany and Hungary
Chief of staff of a former Hungarian prime minister
Director in banking
Management team
Laurent Clerc
Founder, President of the Management Board
25 years of multinational
experience in loan
management
20 as origination and management solutions provider in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus
Expert in risk management
RCI, BNP Paribas Personal Finance
Matthieu Job
Founder, Member of the Management Board, CEO of Circeo Hungary
20 years of multinational
experience in retail banking
Loan origination and management systems provider in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus
Société Générale
Bálint Horváth
Founder, Member of the Management Board, President of Circeo France
20 years of multinational
experience in
consumer finance and
retail banking
CACF Hungary, France, Saudi Arabia
Loan origination and management systems provider in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus
Andre Bonfiglioli
UK Representative,
Commercial Manager
35 years of
multinational
experience in
Consumer Credit and
Retail Banking
Business Leader/ CEO/COO in UK, Italy, Spain, Taiwan, Ukraine, CEE
International Director
American Express,
BNP Paribas Personal Finance, UniCredit