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About Us

Brain Finance is a leading financial technology company that offers responsible and constructive credit solutions to consumers. We redefine access to credit with our revolutionary technology using machine learning and automation capabilities to provide better and simpler financial services to everyone.

We have built a new generation of lending technology platform and have reinvented how credit decisions are made. We believe that everyone should have access to trustworthy and convenient credit and we are dedicated to achieving that goal. The new AI is transforming multiple sectors and now is the time for us to bring this new predictive power into financial services.

Our technology was built to offer the easiest, fastest and most affordable and secured lending experience to consumers in order to get them back on the path to better financial health. We strive to offer our customers the personalized and professional financial services they deserve this is why we designed a modern and advanced technology that integrates a loan management system and a scoring system onto the same platform which stands out from the traditional financial institution model.

“AI is transforming the future of technology and we have figured out how to use it to help people.”
Esther Ross, Co-founder.

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Brain Finance Lab

Our team combines financial experts, data geeks, mathematicians, computer scientists, and software engineers all working together to make fair and transparent credit available to everyone. We have designed a robust, scalable and unique all-in-one lending platform that can manage multiple products such as personal loans, lines of credit, auto loans, mortgages, point of sale financing and many others.

Modern Loan Management Platform

Our revolutionary and comprehensive proprietary technology features all of the required modules to perform efficient digital lending operations, i.e. underwriting, customer interface, transactions, accounting, collection and CRM. The core of the system was designed to be scalable and flexible. Thus, it has easily customizable modules to efficiently develop and deploy new products in order to adapt to evolving regulations, requirements, security, consumer needs, and to quickly enter new markets.

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Compliance & Policy
Pricing
Efficiency
Accuracy
Auto-Decisioning
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Credit
ID Check
IP Bin Data
History
Machine Learning
Biometric Fraud & Risk Analysis

Artificial Intelligence and Big Data Scoring System

We manage credit risk using a data-driven approach based on complex algorithms and models. Our technology automatically performs credit analysis using extensive amounts of data points for each application, which are then segmented and analyzed by comprehensive algorithms. It analyzes credit risk using an in-depth machine learning system based on highly extensive information. Our decision process analyzes the customer behaviour and patterns based on sophisticated algorithms and artificial intelligence. Our technology is continually evolving its decision learning process to enhance the accuracy of its scoring model.

Blockchain Securitization Platform

We have created a platform where institutional investors participate in improving the access to credit through securitization. With our technology this platform enables investors to manage from the underwriting process to the servicing process of their diversified portfolio. All under secured environment using smart contract with blockchain technology.

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Borrowers
Investors
Profile
Scoring
Smart Contracts
Securitization

The technology we use

Our technology is built for scalability, fast deployment and flexibility.

Revolutionary financial technology

Revolutionary financial technology

We use massive amounts of global data in order to have unprecedented insights into our applicants’ credit and payment history. This data allows us to provide an easier application process and faster approval times.

Cutting-edge learning technologies

Cutting-edge learning technologies

We are a leading Fintech company that combines advanced data analytics and a structured decision-making system to better serve our customers.

More convenient and fast implementation

More convenient and fast implementation

We offer a user-friendly solution that is quick, simple and cost-effective for businesses to integrate. The implementation can be done rapidly and we provide all the help needed in that process.

World class operation

World class operation

To better serve our customers, we have integrated the finest tools to our platform. We focused on achieving the highest quality standards.

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Brain Finance Services

We offer simple, convenient and transparent financial products on our multi-brands. Our services are available on websites and mobile applications. We aim to offer personalized, confidential and human services.

Low cost short-term loans towards better financial health

We offer friendly, transparent and safe short-term loans of up to $1,500 that expand access, lower costs, and provide opportunities for consumers facing limited options in the mainstream banking system. We provide instant decisions and access to the funds in less than 5 minutes. Our ultimate objective is to offer a responsible solution that breaks the debt cycle and to help consumers take control of their finances.

iCASH
Loanable

Fast personal loans improving credit with free credit score monitoring

Designed to help finance medium-term financial goals such as medical or dental bills, moving or travelling expenses, home improvements, etc. We offer installment loans of up to $10,000 with a real-time decision, and funds reception the same day. Our services are honest, transparent, customer focused and help to improve the credit.

Innovative Point-of-Sale Financing Accessible Anytime, Everywhere

You can buy now and pay after with our Point-Of-Sale Financing product that is accessible to finance online and in-store purchases. Our clients can finance new appliances, goods or their shopping cart and repay it in several installments. The advantage of our Point-Of-Sale product is that it is available to everyone in all stores. Our consumers can apply directly from our mobile app, get approved instantly, and make their payments that fit their budget.

Payfter
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Transparent & Constructive

At Brain Finance we take our integrity and reputation very seriously and we know that they depend heavily on our own ability to act ethically and trustworthy. In order to align our business activities with the highest standards, we have developed the following guidelines based on the European responsible lending standards toward our operations and our service offering.

Conformity

We are fully licensed in every province of operation. We conform to all rules and regulations pertaining to our regulatory environment. We are fully engaged to offering our clients credit solutions that fully comply with applicable federal and provincial laws and we will not take any action that conflicts with these regulations. This engagement applies to both the loan underwriting as well as any collection operations.

Sustainability

We, in good faith and with integrity, will only provide loans that are within our clients’ repayment capability. Using due diligence and exercising our best independent judgment, we will provide loans that are within this repayment capability.

Transparency

In full compliance with applicable rules and regulations, we provide clear and comprehensive information about all rates, fees, and any other costs. We will not directly or indirectly mislead, manipulate or fraudulently influence our clients. Our employees will offer transparent and honest answers to any questions regarding the fees associated with our loans, or the obtaining of a loan.

Security

We take all reasonable measures to protect our clients’ data and personal information. We will never resell our clients’ personal information. Our online loan applications are conducted and processed in a highly secured environment.

Integrity

It is our pledge to taking a cautious and conscientious approach to every decision regarding lending practices. This Code of Conduct will be at the forefront of our business decisions.

We believe that everyone deserves access to ethical and prompt financial services and we will work diligently towards that end.

If you have any questions or comments regarding our Code of Conduct, please feel free to email us at er@brainfinance.com.

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Leadership Team

Esther Ross
Esther Ross
Chief Operating Officer
Fred Boucher CPA,CA
Fred Boucher CPA,CA
Chief Financial Officer
Maxime Leroux
Maxime Leroux
Chief Analytics Officer
Alexandre Brossard
Alexandre Brossard
Chief Technology Officer
Yannick Garand
Yannick Garand
Chief Product Officer

- Brain Labs Team -

Nicolas Parodi
Nicolas Parodi
Senior Software Engineer
Stéphanie Corbellini
Stéphanie Corbellini
Sr Lead Front-End Software Engineer
Gary Paitre
Gary Paitre
Director of Product Design
Stephanie Serruya
Stephanie Serruya
Business Analyst
Yuan He
Yuan He
Software Engineer
Suriya Sadvakassova
Suriya Sadvakassova
Senior Credit Risk Manager
Alexandre Duguet
Alexandre Duguet
Accounting
Cindy Jaco
Cindy Jaco
Credit Analyst
Srinivasan Rajivelu
Srinivasan Rajivelu
Lead Data Scientist
Kimberly Janeiro
Kimberly Janeiro
Fraud Credit Analyst
Florian Denu
Florian Denu
Mobile Software Engineer
Samer Hobeika
Samer Hobeika
Senior Development Team Lead
Vivekanandan Gunasekaran
Vivekanandan Gunasekaran
Senior Product Manager
Reza Jafar PhD
Reza Jafar PhD
Senior Data Scientist
Elias Mokbel
Elias Mokbel
Senior Lead Data Scientist
Jerry George Thomas
Jerry George Thomas
Data Scientist
Jesse Gerroir
Jesse Gerroir
Software Developer
Tarek Ould Hamoud
Tarek Ould Hamoud
Software Engineer
Akram Merouani
Akram Merouani
Front-End Software Engineer
Jordane Bélanger
Jordane Bélanger
Senior Mobile Software Engineer
Aziz Gharbi
Aziz Gharbi
Full Stack Software Engineer

Life at Brain Finance

Our values

We believe in and respect the power of the individual to create great things. We value, build, support and help our employees grow and are committed to providing an environment free of discrimination for everyone.


Culture

It’s the unique contributions of Brain Finance’s employees that drive our success, and we’re committed to building a culture where everyone can thrive and find meaning in their work. Personal development, teamwork, knowledge sharing are some of the values we cherish.


Creativity - Open-mindedness – Respect - Passion

View all our jobs
Senior Mobile Developer

Senior Mobile Software Engineer.

Senior DevOps Engineer.

Mobile Engineer

Mobile Software Engineer.

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Contact Us

Brain Finance Lab

1390 William,
Montreal, Quebec,
Canada
H3C 1R5
(833) 842-2988

Tel.: +1 514 600-5561
Fax: +1 514 934-0174

Brain Finance Services

372 Bertha Street, suite 102,
Hawkesbury, Ontario,
Canada
K6A 2A8
(615) 302-2923

Tel.: +1 514 600-5561
Fax: +1 514 934-0174