about us

For an efficient and fair credit decision

A team united around a common goal: to make the granting of credit simpler and more inclusive for consumers, and faster and safer for lenders.

L'équipe d'Algoan

Our story

In 2018, Michaël, ex-Director of R&D at Dassault Systèmes, and Paul, ex-Director of Structured Finances at Fitch Ratings, joined forces to found Algoan, a fintech pioneering credit decisioning based on Open Banking data.

Convinced that there is an alternative to traditional credit granting, based on sometimes unfair and inefficient socio-demographic criteria and long, complicated processes, the co-founders see the potential of Open Banking data to enable automatic, much more efficient credit decisioning.

Thanks to their complementary skills, they have formed a multi-disciplinary team to create cutting-edge algorithms that are revolutionizing credit decisioning.

Today, Algoan products are used by some of France's biggest banks and are deployed in several European countries.

Our vision

By allowing banking data to be shared freely, Open Banking gives consumers back the power over their finances.

Real-time management of accounts, savings and investments, access to new, more personalized services, protection against overindebtedness... Open Banking enables everyone to make informed decisions about their money.

At Algoan, we are determined to use this tremendous lever for innovation to support the major banking players towards a more virtuous and inclusive form of finance, at the service of individuals and their projects.

Jeff, Achraf, Sébastien et Meriam font une réunion en visio
Youness sourit
Michaël sourit
Huy prend des notes lors d'une réunion
Camille sourit
Chunyan et Achraf travaillent et discutent ensemble
Khadija et Meriam travaillent ensemble
Khadija et Naji discutent dans le salon détente
Guillaume, Lucas et Salim prennent un café sur la terrasse
Khadija participe à une réunion en souriant
Edmond travaille sur la terrasse
Théo et Achraf travaillent dans le bureau
Christophe sourit à Alexandre
Achraf travaille sur la terrasse
Edmond et Katarina discutent dans l'Open Space
Guillaume fait une pause dans le salon
Chunyan discute dans l'espace café des bureaux
Christelle et Paul échangent dans la cuisine
Jeff et katarina discutent dans le bureau
Groover, Salim et Fabrice travaillent dans le bureau

Our expertise

Michaël Diguet
Michaël Diguet

Co-fondateur & CEO

Youness Bounif
Youness Bounif

Chief Product Officer

Camille
Camille

Head of Data Science

Lucas
Lucas

Product Manager

Chunyan
Chunyan

Data Analyst

Meriam
Meriam

Back-End Developer

Guillaume
Guillaume

Lead Backend Developer

Katarina
Katarina

Fullstack Engineer

2018
Creation of Algoan
40
employees
700,000
Account analysis

Our advisors

Bruno Salmon

Independant Board MemberEx. Global Head of BNP Paribas Personal Finance

Marc Gaudart

Independant Board MemberEx. Senior VP Analytics & Risk Modelling at Experian

Ludovic Denis

Seventure Board member
Founder & Ex. CEO of Monext
Ex. Senior EMEA Sales Executive at Experian

Matthieu Flichy

Cerberus Board Member
Head of Investment & Corporate Development at MyMoneyBank

Our partners

Vous souhaitez rejoindre l'aventure ?

Contactez-nous, il y a régulièrement de nouvelles opportunités chez Algoan !

Our values

🤝 Client-centricity

Understanding our customers' needs and being proactive are our driving forces in establishing a relationship of trust and providing quality support for their projects.

🧪 Innovation

Our corporate culture encourages innovation and experimentation, because we are convinced that these are the keys to guaranteeing the excellence of our solutions.

🌐  Diversity

Our diverse team of talents allows us to benefit from a wide range of experiences and perspectives. Today, we are proud to count more than 10 different nationalities among our teams!

👁 Transparency

We sincerely believe that transparency in strategy and decision-making processes fosters trust between teams and enables every employee to give their best.

Our commitments

Our commitment to the environment

Algoan encourages soft mobility among its employees, enabling them to purchase bicycles according to their needs thanks to a partnership with BeeToGreen.
https://beetogreen.com/

Our commitment to well-being and inclusion in the workplace

Every year, Algoan takes part in the "Choose my company" ranking, which assesses employee satisfaction. This approach enables us to ensure the team's well-being, and to consider levers for improvement to ensure that Algoan remains a great place to work.https://choosemycompany.com/fr/avis-certifies/170737.algoan/salaries

By joining the IDEA Pact collective, Algoan is committed to acting in favor of Diversity, Inclusion, Equity and Accessibility (IDEA) in order to participate in a fairer professional world.

Un projet ? Une question ?

Vous souhaitez changer votre manière de prendre vos décisions de crédit ? Discutons-en !