About ITSCREDIT

We take risk and stress out of your credit decisions, time after time.

Lenders spend most of their time completing paperwork, searching for data, and reviewing files—with little time dedicated to building client relationships. We're here to change that.

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It started with clients

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How do we understand lending? It’s more than just a financial transaction; it is a means of empowering individuals to pursue their aspirations and achieve their dreams. It’s about providing essential support while ensuring borrowers can manage their repayments with confidence.

To create tailored credit solutions, lenders must foster genuine connections with their customers and truly comprehend their unique needs. Unfortunately, many find themselves mired in the inefficiencies of data entry and overwhelmed by spreadsheets, hindering their ability to focus on what truly matters.
 
Our founders faced this challenge firsthand and were inspired to make a change. They envisioned a shift from tedious administrative tasks a model that emphasizes value and connection in lending. Thus, ITSCREDIT was born—a comprehensive credit solution designed to streamline the entire credit lifecycle.

Making lending simpler, smarter, and more personal

Using a strong functional knowledge in finance and software development, we build and constantly upgrade a digital credit platform that streamlines every step of credit lifecycle management.

Frame (61) Usable on all channels
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Frame (63) Low-code
Frame (64) Centered on data, analytics, and reporting
Frame (65) AI and ML-powered
Frame (66) Built for risk scoring and management
Frame (67) Supports end-to-end credit cycles
Frame (68) Highly configurable
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Principles behind
our credit solution

Four core principles guide all efforts in delivering a credit lifecycle management solution that connects lenders with borrowers more efficiently than ever:

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Integrity

We believe that in finance, people come first. When our team knows they can trust their environment, they can focus on what really matters—serving our clients and building strong relationships.

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Flexibility

In banking, each region, institution, and customer has its own challenges. We help our customers solve these with a highly customisable credit solution they seamlessly integrates into their work practices.

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Ambition

We are determined to become lenders' credit software of choice. Each day, we’re getting ahead by turning our skills and experience into fresh solutions for tomorrow’s challenges. The hard work never stops!

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Innovation

Innovation drives progress, and progress drives results. We take pride in developing cutting-edge banking tools that help our customers constantly move forward.

What makes us proud

We do our best each day to serve our clients. And it's not going unnoticed!

solutions
June 30, 2025 | 3 min
Strategic Credit Recovery in 2025: Connecting Advanced Scoring with Collections
Learn more
solutions
May 20, 2025 | 2 min
Smart Lending in 2025: How End-to-End AI-Powered Platforms Are Redefining Credit
Learn more
customer
April 23, 2025 | 2 min
Beyond Generations: Uncovering Hidden Drivers of Payment Behaviors in Portugal, Africa, and Canada
Learn more
recognition
October 8, 2024 | 1 min
ITSCREDIT Earns "TOP 5% BEST SMES IN PORTUGAL" Certification for the Third Consecutive Year
Learn more
solutions
October 2, 2024 | 2 min
AI in Lending: Key Questions for Lenders
Learn more

Meet our leaders

Jose Jorge Ferreira Chief Financial Officer
Renato Oliveira Chief Executive Officer
Alexandre Viana Chief Operating Officer

Level up your lending with ITSCREDIT

Where can you find us?

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NOTO - North Technology Office
+351 223221122 

(Calls to the National Fixed-Line Network)
info@itscredit.com
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