Number of
loan applications
processed by
TheLoanFactory
since the origin:

0


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

Highlights and
key features

clock icon

Minutes to complete
a loan application

with increased
transformation rates using real-time processes

chatbot icon

Chatbot instead of form filling experience,

hardly any data captured by the customer

facial recognition icon

Facial recognition

and validation againstdocuments covers all ID/KYC requirements

magnifying glass icon

AML/PEP

checks performedin the background

Scoring based on
real financial

behaviour from
Open Banking
avoids the need to
collect traditional data

Document recognition

avoids unnecessary
data capture by using
OCR technology

Electronic signature

fully compliant with
EU regulations

In production today

in France at a majorConsumer FinanceSpecialist

ADAPTABILITY

Full digital and
local requirements

No general regulation covering
fully digital contracting of loan
contracts exists. Greenlight can
be fully tailored to each country’s
requirements depending on:

  • Credit bureaux and other local
    risk management requirements
  • Availability of local databases
    to obtain and verify address details
  • Open Banking implementation levels
  • “Wet signature” v digital signature regulation
  • KYC requirements
    (video chat available for countries that require it)
  • Cooling off period implemented
    according to local regulations
  • Upload of documents where required

Greenlight
responds very
quickly and
flexibly
to change

Working together!


Legacy Banks have the
customer relationship and
a wealth of information

Challenger players have
speed and agility in their
favour but need to break
through

Both can win from the
benefits provided by
Open Banking and full
Digital implementation

Greenlight
is the right
solution
to your
onboarding
needs

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

TheLoanFactory is the first platform


Multi-product
Multi-channel
Multi-langues
Multi-languages
Multi-regulation
iso 27001 certification
Certified 
ISO/IEC 27001:2013

TheLoanFactory 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 TheLoanFactory

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


Partner who built
an offer with TheLoanFactory

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


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

Cornelius Walter

Cornelius Walter

Member of the Supervisory Board


Impact investor committed to mitigating climate change & improving E2E food chains

23 years with McKinsey & Company in Germany and Hungary

Advised financial institutions, energy companies and clients in a broad range of other industries on growth strategies and large-scale transformations as a Senior Partner

Helped build McKinsey’s presence in Central and Eastern Europe (CEE), served as Managing Partner of McKinsey in Central Europe and, before that, as Managing Partner of McKinsey’s Budapest office

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, Société Générale, Alliance Bank, Eurasian Bank, Capital Bank

Louis Chauvel

Louis Chauvel

Member of the Supervisory Board


30 years of experience in quantitative, structural and behavioral social sciences

Professor at the University of Luxembourg

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

Sándor Ungvári

Sándor Ungvári

Founder,
Chief Technology Officer


15+ years of experience in software development and operation

10 years at the retail lending solution for OTP Bank Hungary

Implementation projects in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus

Expert in cloud native SaaS solutions

CONTACT US

Mijail Carpio

Sales Manager
Western Europe / LATAM


T +33 6 01 25 20 16
mijail.carpio@circeo.today
Paris, France

Jerzy Celichowski

Sales Manager, Central Eastern Europe/Asia


T +36 20 454 6548
jerzy.celichowski@circeo.today
Budapest, Hungary

Andre Bonfiglioli

Commercial Manager United Kingdom


T +44 7740 257236
andre.bonfiglioli@circeo.today
London, UK