Magazine Store

50 Most Admired Companies of The Year 2019

ITSCREDIT Leadership: ‘We Constantly Strive to Improve the Credit Process from the Simulation All the Way to the Disbursement’


“We provide credit institutions with differentiating Omnichannel tools that reduce the distance and formalism between the institution and the client.”

Progressive financial services companies are on the lookout for new technologies to improve efficiency and speed of service, as well as provide better customer experience. Exponential growth in information technology has prompted companies to leverage digitization of banking technology to transform the financial services industry through customer experience management.

In view of the foregoing, we’re delighted to present ITSCREDIT.

ITSCREDIT, a software company, focuses on credit solutions and their implementation with full regard to this sector. The company provides short implementation time and reduced time-to-market to deploy new credit products and integrate other solutions. ITSCREDIT constantly strives to improve the credit process from the simulation all the way to the disbursement.

The company was established in 2018 and is headquartered in Porto, Portugal.

In Conversation with ITSCREDIT Leadership – João Lima Pinto (CEO), António Monteiro (Head of Pre-Sales & Delivery), and Jorge Brás (Head of Product)

What is the reason behind the genesis of ITSCREDIT? How did you expand your company and its offerings over the years?

ITSCREDIT was created as a spin-off of our parent company, IT Sector, which has served for the financial sector; it has developed credit solutions for its customers, and gathered a strong experience in that particular area. It was last year when the board of IT Sector decided to spin-off these Credit Software Products which helped to create ITSCREDIT as a software product company. The firm sustains on four core modules that are capable to be deployed alone or in any combination which include;

  • Flowcredit – loan origination system, covering all phases of the origination,
  • Calculators – unique and centralized calculator for all products and channels within the institution and related partners,
  • Risk Analysis – a fundamental tool to analyze the credit risk
    and score of corporate and particular clients,
  • Collections – Centralized management of credit in arrears including rehabilitation, specialized recovery and write-off processes. It also provides automatic and manual communications through different channels with customers.

What are the strategies that your company intended to achieve the goal?

ITSCREDIT has a strong roadmap/strategy to improve the product line and ensure that the company is one of the best credit software solutions providers in the market. The business model of the company relies on integration partners that are software companies with a strong presence in the financial sector.

What challenges did you face in your initial years?

As ITSCREDIT is still in its early stages of development, we face many challenges; from product evolution, requirements from clients, to following the roadmap, and managing the product/implementation articulation. On the other side, as a new company, we are trying to create brand awareness, generate sales pipeline, make sales, and create partnerships.

Can you brief us about your project experience?

We strongly focus on making every project a big success. We put in a strong effort on every project evolution and more importantly we focus on client satisfaction. As a new company, it is fundamental that the projects we takeover are successful in order to expand our firm and to gain new projects.

Is your company a leader or a follower?

We believe that we are a leader! The leadership quality is in our DNA. We are always looking into the market, looking into new technologies, new business models, so that we can incorporate it into our offer. We use a closed-loop with some of our clients where we discuss and test many of the new ideas and innovations to mature them and access their applicability.

What are the factors that make your company stand out from the competition?

The main factors that make our company special are:

  • Team – We have a strong team who mainly focus on credit and innovation.
  • Company Culture – Enforces a strong team spirit through constant informal assessment, team events (at least one official people event per month) with a great ambition to grow and present career evolution to the team.
  • Transparent Management – We make sure that all the members know what they are doing. We also share the main goals and information such as product releases, client implementations, and partnerships.
  • Employees’ Evolution – We provide proper training to have more responsibilities that are aligned with promotions.

Where do you see your company a couple of years from now?

Our ambition is to develop the company to new heights. Hence, we seek to develop the team and globalise our products.

Leaders Behind the Wheel

João Lima Pinto: João Lima Pinto serves as the Chief Executive Officer of ITSCREDIT. He has an overall experience of 20 years in the financial sector. Mr. Lima Pinto actively participates in the design and implementation of innovative Omnichannel and credit solutions. He has garnered much success by leading a variety of business development, product and project management, business analysis, and product operations functions.

António Monteiro: António Monteiro is the Head of Pre-Sales and Delivery at ITSCREDIT. He has more than 20 years of experience in the IT Banking sector. Mr. Monteiro has collaborated with leading banking institutions and gathered crucial experience for the development of projects in the financial sector mainly in lending projects. Moreover, he worked in different banking segments and countries gaining professional skills in Requirements Analysis and Project Management.


Jorge Brás: Jorge Brás, the Head of Product of ITSCREDIT, has an overall experience of 40 years. He has a bachelor’s degree in management from ISAG (Institute of Administration and Management) and holds a postgraduate degree in Economics and Business Administration from FEP (Faculdade de Economia do Porto). Mr. Jorge worked in the computer software industry; held various positions including consulting, technical, and development.


“Our mission is to develop straightforward, innovative and flexible credit solutions that suit evolving market challenges and our clients’ needs.”