We are driven by purpose:
to deliver credit scoring for all.
Our story begins with Cash Credit. A widely known fintech company in Bulgari. It was the first to obtain objective and valuable data from Telco Usage.
Equipped with its vast experience in lending, Cash Credit recognized the growing demand for reliable alternative source of data. They entered the Philippine market in 2015 to help address the financial gap. In a mission to serve and innovate, FinScore was born.
Today, FinScore offers its alternative credit scoring services to financial institutions across the Philippines, drawing data from all the major telco networks nationwide.
In 2023, FinScore became a wholly-owned subsidiary of CTOS Digital Berhad, the holding company of ASEAN’s leading credit reporting agencies.
FinScore by the Numbers
Our Mission
To provide innovative scoring solutions to the ever-growing needs of banks and financial institutions and become an instrument in promoting financial inclusion in emerging markets.
Our Vision
To become the trusted partner that facilitates access to real-time, fair credit scoring while equipping businesses with innovative scoring solutions.
We create effective products.
100%
coverage
in the telco data market
<1 second
to generate credit results
32M+
scores delivered
since 2015
We are powered by top-notch talent.
20
employees
and growing!
Multicultural
nimble team that’s agile enough to handle varying tasks and responsibilities
We put service at the forefront.
40+
clients
actively pulling
100%
year-on-year retention
The Leaders Behind the Numbers
Alan Thornton
Chief Executive Officer
Alan Thornton
Chief Executive Officer
Alan brings over a decade of experience in the credit scoring sector. Once the Head of Sales at a traditional credit scoring firm, he took a bold step to establish Prime Analytics in Indonesia. The business expanded rapidly, attracting the interest of CTOS. In 2023, Prime Analytics was acquired and now operates as FinScore in Indonesia.
STANISLAV PEEV
STANISLAV PEEV
Chief Data Science Officer
Stan leads the strategic design and implementation of advanced machine learning models for alternative credit scoring using telco data as Finscore’s Chief Data Science Officer. With a strong background in data science and credit risk analytics, he helped design and implement Bulgaria’s first telco-based credit scoring system as Risk Manager at Cash Credit, enabling lenders to assess the creditworthiness of underserved populations. At FinScore, he heads the data science team and collaborates with clients to deliver scalable, data-driven solutions that drive financial inclusion.
Chief Data Science Officer
PETER CHILINGIROV
PETER CHILINGIROV
Chief Technology Officer
As the leader of FinScore’s technology team, Peter spearheads a group tasked with maintaining system performance and functionality at peak levels. He ensures diligent monitoring of Telco Credit Scores and cultivates a culture of creativity and forward thinking. Under Peter’s guidance, FinScore remains at the forefront of technological innovation and service excellence.
Chief Technology Officer
FAYE MERCADO
FAYE MERCADO
Country Finance Director (Philippines & Indonesia)
Starting her career in one of the large audit firms, Faye is a financial professional with more than a decades’ worth of experience. She leads FinScore’s financial operations, blending her meticulous approach with dynamic leadership. With her experience in financial management, she expertly oversees budgeting, forecasting, and risk assessment, ensuring optimized financial performance for FinScore. Faye leads by example and is one who rolls up her sleeve to get the job done.
Country Finance Director (Philippines & Indonesia)
Harvey perez
Harvey perez
Head of Commercials
Harvey brings 15 years of B2B sales and business development experience to FinScore,
leading the team’s client acquisition and account growth strategy across banks and
financial institutions. He’s hands-on with the pipeline, from prospecting to closing, and
keeps the team focused on hitting shared targets.
Head of Commercials
MIGGY VILLANUEVA
MIGGY VILLANUEVA
Head of Marketing & Employee Experience
Miggy is an experienced marketing professional with strong background in advertising and brand communication. He launched the Credit Risk Academy in 2024 to help finance professionals merge alternative and traditional scoring methods and initiated a lead generation project connecting banks with borrowers through telco partnerships.
Head of Marketing & Employee Experience
Real Results,
Real Success Stories
Discover how FinScore’s innovative solutions have transformed businesses and empowered Filipinos. Explore our case studies to learn more.
The Newsroom – Latest News
Ready To Take The Next Step?
Contact us now to unlock inclusive credit assessment and increase approval rates. Let’s revolutionize your business together!
