HES FinTech

Company profile

HES FinTech company profile

HES FinTech specializes in building reliable, customizable platforms that streamline lending processes, enhance decision-making, and empower financial institutions to scale efficiently. Our vision: To make lending secure, automated, reliable, data-driven, and ethical for banks, alternative lenders, and fintechs worldwide. Our products: 1) HESLoanBox: A flexible and scalable loan origination and management platform, сoverштп the full credit lifecycle: borrower onboarding, application intake, decision-making, disbursement, servicing, and collections. Core functionality - End-to-end digital onboarding with automated workflows, omnichannel borrower access, and seamless KYC/AML checks. - Built-in compliance automation ensuring adherence to security standards, audit requirements, and financial regulations. - Advanced document automation with configurable templates, e-signatures, and borrower-facing flexibility for agreements and communication workflows. - Rich analytics ecosystem featuring customizable dashboards offering real-time insights into loan performance, portfolio quality, and operational KPIs. 2) GiniMachine: A no-code AI-driven decision management platform that enables smart decision-making across a variety of businesses. Its AI engine can analyze all types of historical data and machine learning algorithms to build high-performing scoring models. Tasks you can solve with GiniMachine: - Credit risk management, including credit scoring, application scoring, and collection scoring - Predictive analytics for banking, alternative lending, and financial services 3) The HES Collection Agent: AI-powered debt management and collection software for smart recovery strategies and automation of collection workflows. Core capabilities AI engine for smart segmentation and prioritization Control and optimization Operational efficiency The ‘Next Best Action’ engine Configurable workflows and API-first architecture Enterprise-grade security Why Choose HES FinTech? - Proven expertise: Over a decade of experience delivering successful projects in consumer, commercial, and SME lending. - Global reach: Trusted by financial institutions in 30+ countries for secure and regulatory-compliant software. - Scalable and customizable solutions: Future-proof platforms designed to adapt to evolving business needs and market demands. - High configurability and modularity: Use LoanBox as a full end-to-end lending platform or integrate only the required microservices based on your workflow, regulatory environment, or lending model (consumer, SME, BNPL, auto, leasing). - Optional developer license option that eliminates vendor lock-in and provides full control for internal development teams. - Possibility to deploy software on premise and in cloud — the cloud provider can be chosen as well (AWS, Azure, GCP, national clouds) - Optional ‘fix price’ model: paid estimate period with the accuracy of up to 95% and further deployment without extra costs