Finclude (fka. Verge.Capital) careers

Finclude offers a creditworthiness and affordability score that is not based on past credit events but on a person’s financial & transactional behavior. Our score follows the individual across borders, powered by PSD2 open APIs.

We enhance traditional credit scoring capabilities with an all-digital score that is based both on traditional creditworthiness assessment, as well as on machine learning models built on top of transactions and spending behaviors.

We have built a Data API that aggregates and normalizes financial information from most European banks, through which we interpret transactional data for better credit decisions. Finclude goes beyond traditional credit scoring, providing a comprehensive view of a customer’s creditworthiness, affordability and financial behavior. In an essence, we transform vast volumes of complex information into an easy-to-use, digital-first tool to help everyone make better financial and credit decisions.

Our platform is secure, fully automated and with privacy at heart. Through the introduction of our service into your process financial institutions can expand their addressable markets to untapped segments locally like:

- Consumers with no credit products or thin credit files
- Consumers that are new to the financial system
- Consumers without a steady income (e.g. self-employed)
- Expats and immigrants
- Those requiring debt restructuring
- Offering credit facilities under personalized terms

But also cross-border across the EU with a uniform creditworthiness and affordability score.

Finclude comes as a SaaS offering and is available both via a web/mobile app, as well as via an API that can be integrated in your existing offerings.