The Complete Financial OS: AI-powered loan servicing, asset management, fund management, enterprise ERP, treasury and consumer lending from Sciforn
Athena for loan servicing and asset management, private AI for documents, Selene for fund operations, Helios for ERP, Atlas for payments and treasury, and Juno for consumer lending. Software for institutions that have outgrown their legacy systems.
Some of the world’s largest financial institutions run on our software
Athena - Portfolio Overview
Q1 2026 · Updated just now
$35B+
Portfolio AUM
↑ +12.4%
250+
Active Loans
↑ +3.1%
99%
Compliance Metrics
↑ +1.2%
0.4%
Default Rate
↓ -0.1%
Monthly Originations ($M)
Loan IDValueStatus
ATH-441$48MActive
ATH-439$120MActive
ATH-435$23MReview
ATH-430$67MActive
AI Loan Onboarding - Facility Agreement
Processing: Syndicated_Facility_v3.pdf · 247 pages
✓ Extracted
Source Document
3 key clauses highlighted
AI Extracted Fields
Facility Amount$150,000,000
BorrowerAlpha Ltd
Maturity Date31 Dec 2027
Margin2.75% + SOFR
Arrangement Fee1.25% flat
LTV Covenant≤ 65%
Management Report - Q2 2026 · Lending Portfolio
↓ Export PDF
ProgrammeLoansAUMChange
Syndicated Europe190$29B+8.2%
CMBS Pool A9$980M+3.4%
CLO Series 37$360M-1.1%
Dev Finance51$5B+5.7%
Originations by Quarter
Asset Class Mix
Loans
CMBS
CLO
Athena - Connected Portals
5 portals · all active
ATHENA
Investor Portal
Borrower Portal
Sales Portal
Trade Finance
Servicer Portal
Asset Tokenization Engine
✦ On-chain
Asset
→
Audit
→
Tokenise
→
Distribute
→
Liquidity
$2.1B
Tokenised AUM
↑ +18.3%
847
Token Holders
↑ +9.4%
99.2%
Settlement Rate
↑ +0.8%
AssetValueStatus
Loan Pool A$480MActive
CMBS Tranche$220MActive
Dev Finance$150MMinting
CLO Series 4$95MMinting
Features
Structured financing & tranching
Fractional ownership distribution
Real-time on-chain settlement
Enhanced secondary liquidity
Regulatory compliance layer
Athena Complete Private Credit Platform
Helios: One ERP for the Whole Enterprise
Private AI Data Centre
Finance · Supply Chain · Manufacturing
ERP · CRM · Payroll
Helios Workforce Management: Forecast · Roster · Intraday
Selene: Fund Operations · NAV · Waterfalls · Carry
Atlas: Global Payments & Treasury
10,000+ Bank Connections
Real-Time Cash Visibility
Juno: Consumer Lending & Asset Finance
HP · PCP · Personal Loans
Juno: Installment Lending in Every US State
Reg Z · Reg B · MLA · Reg F
Tokenization
ISO 20022 · SWIFT Native
Bonds · Loans · Swaps · CMBS · CLO
AI Loan Onboarding from Facility Agreements
Invoice Finance
Finance
Reverse Factoring
Investor Portals
Borrower Portals
Sales Portals
ECL, Provision & RWA
Canada · UK · USA · India
2021
Founded, with large financial institutions as our first clients
6
Platforms that share one data model
3
Continents, so clients are covered around the clock
100%
Of clients have their own engineering team
Pune, India
London, UK
New York, USA
Toronto, Canada
Global Presence
Serving institutions around the world.
We have offices in Toronto, New York and London, and our development centre is in Pune, India. Between them, someone is always awake when a client needs us.
Our Products
Six platforms. One ecosystem.
Athena covers lending from origination to maturity. Our AI reads and checks documents on private infrastructure. Selene runs fund operations, Helios runs the rest of the business, and Atlas handles payments and treasury across more than 10,000 banks. Juno is for consumer lenders in the US and the UK. Each platform works on its own, and they all work together.
Athena
Artificial Intelligence
Selene
Helios
Atlas
Juno
Athena Platform
Complete loan origination, servicing & asset management.
For lenders, servicers and asset managers. Athena takes a loan from origination through servicing, compliance, payments, accounting and reporting, on one data model with private AI infrastructure.
Banks & Non-Bank LendersLoan ServicersAsset ManagersDebt FundsCMBS / CLO IssuersTrustees & Facility Agents
Instrument Classes
Syndicated LoansDev FinanceWarehouseBondsSwapsCLOCMBSInvoice FinanceReverse FactoringEquityStructured Credit
AI Layer
AI OnboardingAI KYC ScreeningAI Document ExtractionAI UnderwritingAI ReportingAI User GuideAI Assistant
One record for every team
Origination, servicing, payments, accounting and reporting all read and write the same data. Credit, operations and finance look at the same loan, so nobody spends month-end reconciling one system against another.
Set up around how you lend
Workflows, notices, reports and approval chains are settings you control. Start with one module or move your whole book across; either way there is no bespoke build to maintain.
AI where the work is
Document extraction, loan onboarding and risk analysis sit inside the screens your team already uses. The models run on private infrastructure, and your documents are never shared with anyone else.
Deal Administration
Onboarding, drawdowns, repayments, interest and notices for every loan, including structured deals such as CMBS, CLO and ABS.
LendingCounterparty Management
One register of borrowers, lenders, SPVs and agents, with KYC checklists, AML risk tiers, and sanctions and PEP screening kept on each record.
ComplianceDiary & Covenants
Reminders and event triggers, plus LTV, DSCR and ICR tests that raise an alert and open a task as soon as a covenant is breached. Holiday calendars feed straight into the rate logic.
LTV · DSCR · ICRAsset Management
Property and non-property assets in one place. AI reads the valuation reports, and LTV, ESG data, inspection scores and map locations are kept on the asset.
AssetsSyndication & Loan Review
Multi-lender structures with cashflow reporting for each lender, intercreditor terms, and periodic loan reviews with risk scores and status tracking.
Multi-LenderAI Suite
AI that takes on the repetitive parts of the job, from reading documents to drafting reports, so your team can spend more of its time on decisions.
AIReporting & Analytics
Ask for a report in plain English or build your own branded templates. A virtual data room is included, and every field change is logged for audit.
AnalyticsExternal Portals
White-labelled portals for investors, borrowers, servicers, trade finance clients and your sales team.
PortalsPayments & Treasury
Incoming and outgoing payments, priority waterfalls, and support for bonds, swaps and hedging instruments.
TreasuryAccounting & RWA
Multi-GAAP accounting with RWA, expected loss and provisioning, valuation adjustments, a multi-currency general ledger and period-end close controls.
Multi-GAAP · RWAInvoice & Trade Finance
Invoice finance, reverse factoring and factoring, with eligibility screening, concentration limits and debtor reconciliation.
Trade FinanceAsset & Loan Tokenization
Tokenise single assets or whole loan portfolios to support structured financing, wider distribution and better liquidity.
TokenizationFive connected portals
Bring your own loan book and we’ll show you Athena running on it.
AI
Document intelligence that runs on your iron.
Our AI runs in Sciforn’s own SOC-compliant data centre. The models are full-scale LLMs trained for financial work, you keep complete audit rights, and nothing is passed to a third party.
Instant Loan Onboarding
Upload a signed facility agreement and get a loan record in Athena. Parties, covenants, schedules and financial terms are pulled out for you, with nothing typed in by hand.
Loan OnboardingAutomated Fee Extraction
Fee details are read straight from notices and letters, which removes the re-keying and the calculation mistakes that come with it.
Fee ExtractionSearch Any Financial Document
Ask a question in plain English across loan documents, contracts and reports. The answer comes back with the clause or figure it came from, even when the document runs to hundreds of pages.
Document Q&AAI-Powered Data & Risk Intelligence
Turns unstructured financial and asset data into structured information, so valuations can be compared and risk assessed across assets and counterparties.
Financial IntelligenceAI Workflow Automation
Automates the repetitive steps in financial workflows with a mix of machine learning, language models and computer vision, and keeps a full audit trail of everything it did.
AutomationPrivate On-Premises AI Data Centre
SOC-compliant, with dedicated and segregated hardware for each client and full audit rights over the processes and infrastructure. Nothing runs in a public cloud, so costs stay predictable and sensitive financial data can’t leak to competitors or third parties. We add hardware and people to it every quarter.
Send us a facility agreement and watch the AI extract it during the demo.
Selene Platform
The complete fund operations platform.
Built for fund administrators, asset managers, insurers, and private credit and private asset managers. Twelve connected domains cover the whole life of a fund, from entities and fund structures to investor onboarding, capital calls, deals, NAV, waterfalls and reporting.
Fund AdministratorsAsset & Fund ManagersInsurersPrivate Credit ManagersGPs & Family Offices
Selene at a Glance
Connected domains12 modules
Books of recordABOR · IBOR · Shadow
Fund coveragePE · HF · VC · Credit · Real Assets
Regulatory reachAIFMD · MiFID II · FATCA · CRS
Every strategy on one platform
Private equity, hedge, venture, credit, real assets and fund of funds all run on the same data model. Selene was designed for multi-strategy managers from the start, so the hedge book never needs a second system or a bridge file.
One ledger, every book
ABOR, IBOR and shadow books live in one ledger. The NAV engine strikes at fund, class, series and investor level, across GAAPs and currencies, with maker-checker controls on every posting.
Compliance in the everyday workflow
KYC, sanctions and PEP screening, MiFID II onboarding and AIFMD, FATCA and CRS reporting are part of the normal process, backed by an audit log that is never deleted.
Entities & Counterparties
A live register of funds, GPs, LPs, SPVs, banks and advisers. KYC status, beneficial-ownership chains and sanctions and PEP screening all sit on the same record.
KYC · UBO · ScreeningFund Structure
Every fund type and lifecycle stage is supported. Strategy, legal form, fees, hurdles, carry and waterfall terms are configured per fund, including the non-standard ones.
Fees · Hurdles · WaterfallsVehicles & Master-Feeder
Masters, feeders, blockers, SPVs, parallel funds and co-invest vehicles in one chart. Capital flows cascade through each tier, with look-through and consolidation handled for you.
Full Structure StackInvestor Lifecycle
Guided onboarding covering MiFID II classification, suitability, FATCA and CRS self-certification and side letters, with a regulatory audit log that is never deleted.
Regulated OnboardingCapital Operations
Capital calls and distributions from notice to settlement, including equalisation on later closes, withholding, recallable amounts and pro-rata allocation across hundreds of LPs.
Calls → DistributionsPortfolio & Deals
From pipeline to realisation: deal terms, tranches, drawdown schedules, interest accrual, covenant tracking and controlled valuations, all audited before they reach the NAV.
Deal → LedgerAccounting & NAV
ABOR, IBOR and shadow books together, multi-GAAP and multi-currency, with maker-checker posting and a NAV engine that strikes at fund, class, series and investor level.
ABOR · IBOR · NAVWaterfall & Carry
European, American and hybrid waterfalls with tiered hurdles, catch-up, clawback and vesting. Each tier keeps its full calculation trail, and LPs get their own carry statements.
Carry Without SpreadsheetsHedge Fund Operations
Daily NAV with P&L attribution, incentive fees, high-water marks, gates, lock-ups, side pockets and series accounting, on the same engine as the private equity side.
Daily NAV · LiquidityCompliance & Regulation
AIFMD, Form PF, MiFID II, PRIIPs, FATCA, CRS and Canadian regimes, with approval matrices, segregation of duties and versioned policies.
Widest Regulatory ReachPortals & Documents
Investor, GP and auditor portals on live data, with watermarked delivery, e-signature, versioned documents and capital account statements whenever they are needed.
Three Portals · One SystemPerformance & Reporting
IRR, TVPI, DPI, MOIC, PME and benchmark analysis, plus a drag-and-drop report builder, ILPA-aligned templates, branded investor packs and API access to every metric.
No-Code ReportingWe’ll take one of your funds from subscription through NAV to carry in the demo.
Helios Platform
One ERP for the whole enterprise.
Helios runs finance, supply chain, manufacturing, people and customers on a single data model. Most ERP suites only cover part of that. With Helios you can retire the collection of point systems and work from one set of numbers, one module at a time or all at once. It also covers workforce management, risk and regulatory filing, contracts and documents.
ManufacturingDistribution & RetailProfessional ServicesFinancial ServicesContact CentresConstructionTechnologyEnergyHealthcarePublic SectorHospitality
Helios at a Glance
Connected modules21 modules
Data modelOne source of truth
Geographic coverageEMEA · Americas · APAC
StandardsIFRS · US GAAP · SOX · GDPR
One set of numbers
Every module writes to the same data model. Finance, supply chain, manufacturing, people and customers reconcile automatically, and every report works from the same figures.
Insight while it still matters
Forecasting, anomaly detection and plain-English queries run on live operational data, so you can see what changed as soon as a transaction posts instead of the next morning.
Start where it hurts most
Begin with one module and add more later, or replace a patchwork of point systems in one go. The modules already share their data, so there is nothing extra to integrate.
Finance & Accounting
General ledger, payables, receivables and fixed assets, with real-time consolidation across entities and currencies, driver-based budgeting and continuous close.
Multi-Entity GLProcurement & Sourcing
Requisitions, purchase orders, supplier records, contracts and automatic three-way matching. Spend is checked against live budgets before it is committed.
Source-to-PaySupply Chain
Demand forecasting that blends AI with your own plans, plus logistics and fulfilment, traceable from the first demand signal to the delivered order.
Plan → DeliverManufacturing
Multi-level bills of materials and routings, MRP with finite capacity, live shop-floor control, and quality and yield analytics.
BOM · MRP · QualityInventory & Warehouse
Stock across multiple sites with lot and serial control, barcode and RFID warehouse operations, and valuations that post straight to the ledger.
Real-Time ValuationOrder Management
Orders from every channel, available-to-promise checks, smart allocation and automatic invoicing, so nothing between quote and cash gets keyed twice.
Quote-to-CashHR, Payroll & Talent
Core HR, a full hiring suite with AI-assisted sourcing and screening, time and benefits, and multi-country payroll that posts directly to finance.
Hire-to-RetireCRM & Sales
A full view of each customer, pipeline management and CPQ priced against live cost and stock. When a deal is won, the order, invoice and revenue entry are created straight away.
Lead → RevenueProjects & Services
Project accounting, resource planning, time and expenses, and automatic revenue recognition, so you can see a project’s margin while the work is still going on.
PSA · Rev RecAsset Management
One asset register with the full history of each asset, preventive maintenance, and depreciation posted straight to the general ledger.
EAM + Fixed AssetsAnalytics & BI
Live dashboards, AI forecasting, anomaly detection and plain-English queries, all running on the same governed data as the rest of Helios.
Embedded AIGovernance & Compliance
Role-based access with segregation of duties, multi-level approvals, an audit trail that cannot be altered, and statutory reporting on every transaction.
Audit-Native Also in Helios
Built for Regulated Enterprises
Deploy in the region your regulator expects, so EU data stays in the EU. You get role-based access, SSO, encryption in transit and at rest, and an audit trail on every transaction that can’t be changed.
Show us one of your processes and we’ll run it through Helios in the demo.
Atlas Platform
Global payments & treasury, on one platform.
Atlas brings cash, payments and risk together. You see cash across every bank, entity and currency in real time, forecasts are AI-assisted, and every payment goes through one hub from ERP to bank with fraud and sanctions checks on the way. It connects to more than 10,000 banks over API, SWIFT, host-to-host and EBICS.
Corporate TreasurersCFOs & Finance TeamsShared Service CentresBanks & NBFIsAsset & Fund ManagersMultinational Groups
Atlas at a Glance
Bank connectivity10,000+ banks
Connection methodsAPI · SWIFT · H2H · EBICS
Format coverageISO 20022 · BAI2 · NACHA
Cash visibilityReal-time · every account
All of your cash, in one view
Balances from every bank, entity and currency are consolidated in real time. You get one picture of group liquidity without waiting for statements or building it by hand.
Payments checked before they leave
Every payment is screened on its way through. Machine-learning anomaly detection, your own payment policies and sanctions screening stop suspicious payments before they are released.
Your banks, already connected
Connections to more than 10,000 banks over open APIs, SWIFT, host-to-host and EBICS are ready to use. Atlas is ISO 20022 native and converts file formats itself, so your IT team doesn’t have to.
Cash & Liquidity Management
Real-time cash positions for every bank, entity and currency, with worldwide balance consolidation, target balancing and cash pooling.
TreasuryCash Forecasting
Forecasts that combine bank, ERP and historical data over horizons from a day to five years, with accuracy tracking and variance analysis.
AI-PoweredPayments Hub
One payment factory for the group. Payments go from the ERP to the bank through real-time APIs, format conversion and approval workflows, and you can follow each one on every rail.
ERP-to-BankBank Connectivity
Maintained connections to more than 10,000 banks via open APIs, SWIFT, host-to-host and EBICS. ISO 20022 native, with BAI2 and NACHA conversion handled inside Atlas.
10,000+ BanksPayments Fraud Detection
Machine learning checks every payment in real time and holds suspicious ones before release. Your payment policies become rules, and every resolution is audited.
Real-TimeSanctions Screening
Payments and counterparties are screened automatically against OFAC, EU, UN and HMT lists, with workflows for handling exceptions and a full case history.
ComplianceIn-House Banking
Internal accounts, pay-on-behalf-of and collect-on-behalf-of structures, intercompany loans and arm’s-length interest allocation.
POBO · COBOIntercompany Netting
Multilateral netting that cuts the number of cross-border payments and the FX cost that comes with them, with invoice matching, scheduled cycles and a statement for each participant.
MultilateralFX & Interest Rate Risk
Capture exposures from ERP and forecast data, propose hedges, test effectiveness and produce compliant hedge accounting.
Hedge AccountingDebt & Investments
Debt facilities, bonds, leases, deposits and money-market funds through their whole life, with accruals, rollovers, covenant tracking and mark-to-market valuation.
LifecycleBank Account Management
A central register of every bank account, signatory and mandate, with electronic account opening and closing, FBAR reporting and bank fee analysis.
eBAMCash Accounting & Reconciliation
AI matches transactions across banks, payment providers and the ERP and posts the journal entries, which brings month-end close down from days to hours.
Auto-MatchedBank Connectivity as a Service
We build and maintain connections to more than 10,000 banks over open APIs, SWIFT, host-to-host and EBICS, and ISO 20022, BAI2 and NACHA conversion happens inside Atlas. Your IT team doesn’t have to run a connectivity project or keep file formats up to date.
Connect a couple of your accounts and we’ll show you live positions and a payment run.
Juno Platform · US & UK
Consumer lending, in the US and the UK.
Juno is one platform with two editions. In the US it handles state-licensed installment lending, with each state's caps in a rules engine, Reg Z pricing and TILA disclosures before a loan goes out. In the UK it handles hire purchase, PCP and personal loans for cars, vans, motorhomes, caravans and the rest, with the Consumer Credit Act maths, commission records and arrears notices built in.
Juno at a Glance · US
Jurisdictions50 states · DC · PR
Loan productsSmall-dollar installment
Repayment railsACH · payroll deduction
Federal coverageReg Z · Reg B · MLA · Reg F
Every state in one rules engine
State rules carry effective dates and sit on top of the federal rules. Rate caps, fee caps, minimum terms and rebate limits are worked out for each loan across 53 jurisdictions, and every answer shows the rule and statute it came from.
Disclosure before disbursement
The APR is calculated with the Reg Z Appendix J method and the TILA disclosure goes out before the loan exists. Juno won’t originate a loan until a matching disclosure has been delivered through an E-SIGN consent step.
Collections inside the rules
Reg F limits on how often and when you call, state caps on late fees, validation notices and the CFPB limit of two failed payment attempts are all enforced by the system itself.
State Rules Engine
Rules with effective dates for all 50 states, DC and Puerto Rico, layered over federal law: APR and contract-rate caps, fee caps, minimum terms and rebate restrictions. Overlapping rules are rejected.
53 JurisdictionsProducts & Pricing
Pricing starts with the fees and the APR is derived using Appendix J. Choose simple or precomputed interest, and Rule of 78, actuarial or pro-rata rebates where state law permits them.
Reg Z Appendix JOrigination & Underwriting
Applications carry employment and income verification, bureau inquiry records with their permissible purpose, and a military-status check. Every approve, refer, decline or withdraw decision is recorded.
Evidence-LedAdverse Action
Decline reasons come from the Reg B model list. The adverse action notice is written in the same transaction as the decline and then kept in a searchable register.
ECOA · Reg BBorrowers & Employers
US addresses with ZIP+4. The full SSN is never stored, only the last four digits, a keyed hash and an AES-256-GCM encrypted copy. Employers carry their payroll calendars.
SSN ProtectionLoan Ledger
Posting, allocation and reversal work against obligations rather than a fixed schedule. Disbursements, fees, payments and write-offs can each be traced to the rule that allowed them.
Obligation-BasedACH & Payroll Payments
Bank accounts, Reg E authorizations and revocations, NACHA file generation, handling for 13 ACH return codes, and employer payroll remittances posted to the ledger.
NACHA · Reg ELoan Servicing
Payoff quotes are calculated two independent ways and have to agree. Forbearance, deferral, refinancing and daily interest accrual are handled here too.
Payoff · ForbearanceMilitary Lending
MAPR is checked against the 36% MLA cap, payroll-allotment products are blocked for covered borrowers, and the SCRA 6% cap re-amortizes the loan automatically.
MLA · SCRACollections
Delinquency is calculated in a way that is safe to re-run. Late fees respect state caps, and the Reg F seven-calls-in-seven-days limit, time and place rules and validation notices are built in.
FDCPA · Reg FCompliance Documents
Approved, versioned and dated wording is assembled into TILA disclosures, loan agreements and notices, frozen with a SHA-256 manifest and delivered after E-SIGN consent.
TILA · E-SIGNAudit & Security
Single sign-on, role-based access, an audit copy with triggers on every business table, soft delete only and a full application log.
Audit-NativeTell us which states you lend in and we'll price, disclose and originate a loan for each of them in the demo.
One Connected Ecosystem
Six platforms, built to work together.
Our platforms share a data model, the same private AI infrastructure and one security and audit layer. You can start with one and add others later. Because they were built to work together, adding one doesn’t mean starting an integration project.
Sciforn Platform
Unified data model · Private AI · Shared security & audit
Competitive Record
Tested against the best. Won.
Athena has been tested head to head against the leading enterprise loan servicing platforms and won in every category that was evaluated. Clients have moved to it from every major legacy system in the loan servicing market.
Chosen over the leading loan servicing systems in a detailed,
client-run procurement, coming out ahead on every metric they measured.
Capability Sciforn
Private AI Data Centre ✓
ISO 20022 / SWIFT Native ✓
Unified Data Model ✓
AI-Powered Loan Automation ✓
ESG Lending Enforcement ✓
Invoice Finance Built-in ✓
5 Connected Portals ✓
Customisable Notices & Reports ✓
Full Audit Rights ✓
Fund management ✓
US & UK consumer lending ✓
CRM, Timesheets ✓
Security & Compliance
Built for regulated institutions.
Sciforn started inside regulated banking, and it shows in how we build. Security, data residency and a clean audit trail were designed in from the first version of every platform.
Private AI data centre
Our models run on SOC-aligned private infrastructure, on-premises or in your own region. Your data stays in your environment and is never used to train anyone else’s model.
Data sovereignty
We deploy in the region you need. EU data stays in the EU and UK data in the UK, or wherever your regulator wants it.
Encryption everywhere
Every record, document and transaction is encrypted in transit and at rest.
Access control & SSO
Role-based access, segregation of duties and approval matrices, with one sign-on for every module.
Immutable audit trail
Every action and transaction is written to a log that can’t be edited or deleted, so you can show an auditor exactly what happened and when.
Regulatory coverage
AIFMD, Form PF, MiFID II, PRIIPs, FATCA and CRS for funds, the Consumer Credit Act and Consumer Duty for UK lending, and Reg Z, Reg B, MLA and Reg F for US lending.
ISO 20022SWIFTSOC-alignedRBAC + SSOEncryption in transit & at restImmutable audit log
The Sciforn Difference
Engineers who stay after go-live.
Every client gets their own team of engineers who work alongside your people, from the first workshop through every release after go-live. We came out of regulated banking, and we keep putting money back into our AI data centre and our team. Ask our clients and most of them will tell you the service is the reason they stay.
Dedicated engineering team per clientPrivate AI data centreFull audit rights
The team behind Sciforn
The people who started Sciforn and the advisers who help steer it.
Sumanlata Singh
Founder & CEO
20+ years in corporate banking and investment management. Licensed pilot. MBA from INSEAD, Fontainebleau.
LinkedIn
Amit Singh
Advisor
25-year Wall Street veteran with deep expertise in capital markets, quantitative finance, and machine learning. Former Head of Program Trading at Barclays Capital and Lehman Brothers. Now leading finance and capital strategy for an AI-driven platform optimizing distributed energy resources and grid-edge economics.
LinkedIn
Diamandis Karamagias
Advisor
Diamandis has over 25 years of COO experience in Financial services delivering technology strategies and improving business operations through automation and centralisation. Most recently he was the Chief Financial and Operating Officer of RiverRock European Capital Partners, an Alternative Asset Manager. Previously he was the COO in Europe for the Equities division of Jefferies, JP Morgan and Bear Stearns.
LinkedIn
John Madigan
Advisor
John Madigan is an experienced financial services professional with an extensive career covering capital markets, loan servicing, fund management and investment funds. He is an Independent Non-Executive Director, a Certified Investment Fund Director (CIFD) and currently serves as the Chairperson of the Irish Fund Directors Association (IFDA).
LinkedIn
Ronny Herold
Advisor
Finance professional with 25+ years in banking, risk analysis, portfolio management, and international finance, specializing in bridging business and IT through BI, agile methods, and digital transformation.
LinkedIn
Dhirendra Singh
Chief Technology Officer
Three decades of experience in Technology, Banking and Finance. Led technology strategies for large banks and financial institutions and has extensive experience in Core Banking, Payments, Asset Management, Loan Servicing and Structured Financial Products. Technology graduate from Indian Institute of Technology at Kharagpur.
LinkedIn Careers
Work on the software finance runs on
We’re growing our development centre in Pune. You’d work with colleagues in London, New York and Toronto on software that lenders, fund managers and treasury teams use every day, and on the AI that runs inside it.
We have an active return-to-work programme, welcoming experienced professionals back after career breaks. Our Pune office is close to several good schools, easing your return-to-work journey.
Open Positions
Senior Full Stack Developer
Pune, India Full-time
Full Stack Developer
Pune, India Full-time
Full Stack Developer Intern
Pune, India
Send your resume to
careers@sciforn.com
and we’ll read it ourselves.
Contact
Let’s talk about your platform.
Tell us what you run today and what isn’t working. We’ll come back with an honest view of whether we can help, and what moving across would involve.
Time to move off your legacy systems?
We’ll set up a demo around your own workflows and data, and walk you through it ourselves.
Frequently asked questions
What does Sciforn do?
We build software for financial institutions and the businesses they serve. There are six platforms, covering loan servicing, document AI, fund operations, ERP, treasury, and consumer lending in the US and the UK. They share one data model and run on our private AI infrastructure.
What are Sciforn's products?
Athena handles loan origination, underwriting, servicing and asset management. Sciforn AI reads and answers questions about financial documents. Selene runs fund operations, NAV and carry. Helios is an ERP for the whole business. Atlas covers payments and treasury. Juno is for consumer lending, with a US edition for installment lending and a UK edition for consumer credit and asset-based finance.
Where do Sciforn’s platforms run?
We don’t run a shared multi-tenant service. Each client gets its own deployment on Microsoft Azure, AWS or on-premises. Most choose the cloud, either managed by us on Azure or hosted in their own Azure or AWS account. Your data stays in your environment and is never used to train anyone else’s model.
Do you support consumer lending?
Yes. Juno has two editions. In the US it covers small-dollar installment lending, with a rules engine for every state and support for Reg Z, Reg B, MLA and Reg F. In the UK it covers consumer lending and consumer asset-based finance, including hire purchase, PCP and personal loans, with the Consumer Credit Act calculations, commission disclosure and Consumer Duty reporting built in.
How long does implementation take?
Most clients are live within two to three months of the first workshop. The engineering team we assign to you handles the configuration and data migration, and we run the new platform alongside your old one before you switch over.
How does Sciforn keep data secure and compliant?
Every platform can be deployed in the region you need, encrypts data in transit and at rest, uses role-based access with single sign-on, and keeps an audit trail that can’t be edited. Regulatory rules are part of the products themselves, from AIFMD, MiFID II, FATCA and CRS for funds to the Consumer Credit Act for UK lending and Reg Z and Reg B for US lending.
Can we adopt one platform, or do we need the whole suite?
Either works. Plenty of clients start with a single module or platform and add more later, and some replace everything at once. The platforms share one data model, so adding another one doesn’t mean a new integration project.
Where is Sciforn located?
We have offices in Toronto, London and New York, and a development centre in Pune, India. Our clients are spread across EMEA, the Americas and APAC.
How do we get a demo?
Email info@sciforn.com and tell us a little about what you do. We’ll set up a live demo around your own data and workflows.