THE DIGITAL TRANSFORMATION OF RETAIL LENDING

The retail lending market
is in rapid and constant evolution

nouveaux acteurs du crédit
New competitors
nouveaux produits
New products
nouveaux canaux de vente
New sales channels

Regulations are becoming increasingly complex
in all countries, making compliance
more and more difficult.

nouveaux acteurs du crédit
circeo logo couleur

Your solution to develop tailor-made financial products via its universal platform and to manage them throughout their life cycle

Plateforme intégrée End to end Gestion complète du cycle de vie des crédits

End-to-end
integrated solution
Full loan life cycle management

From origination and decision to account management, servicing and collections

Fonctionnalités Omni-lending

Omni-lending functionality

All retail loan products and activities are covered, including mortgages and SME loans, supporting any distribution channel

Coûts d'exploitation réduits

Reduced costs of operation

Pay-per-use model allowing to significantly reduce IT processing costs, increasing productivity and profit margins

déploiement sur mesure

Easy deployment & management

Fully customisable cloud-ready architecture deployable anywhere in the world on private or hybrid cloud infrastructure

expérience omni-canaux api ready

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

Création de produits à la volée

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.

passerelle d'api

API
gateway

Complete separation
of the API layer
from the core
APIs exposed in
a specific layer

mapping des données

Data
mapping

Transformer module
for mapping data via
a graphical interface

technologies et protocoles

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


Multi-product
Multi-channel
Multi-langues
Multi-languages
Multi-regulation

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

logo atos
logo IBM

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

logo visa

Implementation of the Visa Lending Platform for Visa Europe,
built from The Loan Factory


logo atos

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

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

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

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

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

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

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

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

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

CONTACT US

Laurent Clerc

President of the Board

T +33 6 61 62 67 88

Circeo
75 Rue de Richelieu
75002 Paris

laurent.clerc@circeo.today

Matthieu Job

CEO

T +36 70 398 8419

Circeo
Andrássy út 39
H-1061 Budapest

matthieu.job@circeo.today