What Expert Choice does

Expert Choice is a private, Tantauco Group-owned fintech software vendor that builds a modular, AI/ML-based credit risk management platform for Latin American banks and non-bank financial institutions. The platform centers on the Motor de Decisiones (Decision Engine), which resolves credit applications into Approve/Reject/Gray-Zone outcomes and sets offer attributes by evaluation cluster, and is surrounded by an integrated suite - Portal de Evaluaciones B2B for real-time customer evaluation, Máquina de Ventas de Créditos for sales-funnel orchestration, ERP Riesgo Crédito for credit operations, Hub Securitización de APIs y Data for bureau and government data integration, and Workflow de Créditos y Solicitudes for approval governance - plus specialized modules for compliance, REDEC consent, factoring and collections. The stack is cloud-native microservices on AWS (with Azure option) using Java/Spring Boot, Python/Flask, Node.js and SQL against Oracle, DB2, MariaDB and AuroraDB, supporting multi-currency, multi-product deployments at 26,000 operations/sec and validated by ISO/IEC 27001:2022 and a full AWS-aligned compliance stack (27001/27017/27018/27701/22301/9001, CSA STAR CCM v4.0).

The company monetizes through quote-based SaaS subscriptions on multi-year enterprise contracts plus implementation services, selling via direct field-sales teams localized in Chile, Peru, Mexico, Argentina, Colombia and Ecuador, backed by a US go-to-market through Expert Choice US LLC (Miami) and a ten-year-old software factory in Cartagena, Colombia. The customer base includes Tier-1 names such as Santander, Banco Pichincha, Banco Ganadero, Banco Internacional, Telefónica Chile, AFP Provida, Nissan/Marubeni and Hites, spanning banking, telecommunications financing, automotive credit, retail credit, factoring and fintech segments across eight countries (Chile, Peru, Colombia, Ecuador, Argentina, Mexico, US and Spain). Group structure includes the wholly owned factoring subsidiary ExpertFactors and broader Tantauco Group ownership; financing history shows no disclosed external funding rounds, with growth funded inside the group.

Name

Expert Choice

Legal name

Expert Choice S. A.

Website

https://expertchoice.tech

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Expert Choice is a private LATAM fintech software vendor that builds an AI/ML-based credit risk management platform (Motor de Decisiones plus a modular suite of evaluation, sales-funnel, ERP, workflow and compliance products) for banks, telcos, automotive finance, retail credit, factoring and fintech clients across eight countries.

Ownership category

akta.pro rank

Product category

Credit Risk Management Software

NAICS

Custom Computer Programming Services (541511), Activities Related to Credit Intermediation (5223)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)

akta.pro secondary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

Keywords

• Credit risk management
• Decision engine software
• Fintech SaaS platform
• B2B lending software
• Credit bureau API integration

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Software Licensing (SaaS): Cloud-based software solutions delivered as SaaS with subscription pricing model. Implementation options include Cloud AWS, Appliance, Datacenter or Hybrid deployments. Software Factory based in Colombia with over 10 years in market.
2. Implementation Services: Professional services for system implementation, integration and customization for banks, financial institutions, factoring, leasing companies across Latin America.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Expert Choice develops and sells AI/ML-powered credit risk management SaaS for banks and financial institutions across Latin America. Its platform includes a Decision Engine that approves/rejects credit applications in real time, a B2B evaluation portal, an ERP for credit operations, a sales funnel machine, a credit collections machine, and an API/data hub integrating LATAM credit bureaus and government sources. Deployment options include Cloud AWS, Appliance, Datacenter, or Hybrid.

Product overview

Expert Choice Tech is a B2B fintech company offering a modular credit risk management platform for Latin American banking and financial institutions. The platform consists of six core interconnected products: the Motor de Decisiones (Decision Engine) for automated credit approvals; Portal de Evaluaciones B2B for real-time customer evaluation; Máquina de Ventas de Créditos for sales funnel management; ERP Riesgo Crédito for credit operations administration; Hub Securitización de APIs y Data for credit bureau and government data integration; and Workflow de Créditos y Solicitudes for approval workflows. Additional specialized modules include Portal Evaluación Compliance (anti-money laundering/compliance), Gestor de Consentimientos (consent management for REDEC), Sistema Factoring Bancario, Máquina de Cobranzas de Créditos, and a Software On Demand development service. The platform operates on AWS cloud infrastructure with microservices architecture, supports multilingual/multicurrency/multiproduct deployments across Latin America and the US, and emphasizes AI/ML capabilities including predictive analytics, autonomous decision-making, NLP, anomaly detection, and process automation.

Differentiator

Problem solved

Functional benefit

Brands

• Motor de Decisiones: Decision engine system that resolves credit applications with approval, rejection, or gray zone determinations while defining credit offer attributes
• Portal de Evaluaciones B2B
• Máquina de Ventas de Créditos
• ERP Riesgo Crédito
• Hub Securitización de APIs y Data
• Workflow de Créditos y Solicitudes
• Máquina de Cobranzas de Créditos
• Portal Evaluación Compliance
• Gestor de Consentimientos REDEC

Products and services

• Motor de Decisiones (Decision Engine) Automated credit decision engine that resolves credit applications with Approve/Reject/Gray Zone outcomes and dynamically defines credit offer attributes (rate, term, amount, installment) by evaluation cluster. Includes Risk Tier, Risk to Price models, Champion-Challenger testing, and supports SVM, RLB, and Chaid score types with plug-and-play API Score integrations. Designed for banks, financial institutions, factoring, leasing, and automotive finance companies.
• Portal de Evaluaciones B2B B2B credit evaluation portal enabling real-time customer evaluation using Machine Learning and integrated data sources. Provides instant credit limit, term, and installment recommendations and integrates with CRM and ERP systems via plug-and-play APIs. For B2B lenders and financial institutions evaluating business customers.
• Máquina de Ventas de Créditos (Credit Sales Machine) End-to-end sales funnel management system for credit products with omnichannel script distribution across SMS, Email, and WhatsApp. Uses machine learning to qualify prospects, evaluate closure propensity, and recommend the optimal credit product. Includes commercial projections, campaign management, and automated follow-up. Targeted at banks and consumer finance companies.
• ERP Riesgo Crédito Credit operations administration system that manages credits, factoring, leasing, consumption, and confirming. Controls commercial, risk, legal, and operations processes including financial data entry and validation, approved credit lines per company, document validity checks, and approval-level workflow. For banks, factoring, and leasing companies.
• Hub Securitización de APIs y Data API and data securitization platform that integrates information from LATAM credit bureaus (Transunion, Equifax, Sinacofi, Sentinel, Aval, Buró de Crédito, Círculo de Crédito, Nosis) and government sources (SII, Sunat, DIAN, SRI, CMF, AFC, Previred, Corfo, TGR, Pjud), plus OFAC and PEP screening. Provides OAuth 2.0 and JWT authentication with secure on-premise or cloud storage. For financial institutions needing consolidated, audited data access.
• Workflow de Créditos y Solicitudes Credit request and application workflow system that manages authority levels and amounts by role, with Approve/Reject/Approve-with-observations outcomes and escalation. Generates KPI metrics for analyst velocity and quality, and supports trigger-based actions for pending requests. For banks and financial institutions standardizing credit approval processes.
• Portal Evaluación Compliance Compliance evaluation portal focused on crime prevention, risk management, and regulatory compliance under Chilean Law N° 20.393, Law N° 21.595, and related regulations. Executes SVM scores 1-999 with optimal KS, integrating PEP, OFAC, CCS, SII, and Servel data sources. For Chilean corporates and financial institutions subject to AML/counterparty obligations.
• Gestor de Consentimientos (Consent Manager) Consent administration system for the Chilean REDEC (Registro de Deuda Consolidada) database under Law N° 21.680. Provides digitalized, encrypted consent with state management (granted, revoked, expired), auditable access, and reporting per CMF Technical Annex N°1. For Chilean creditors and financial institutions subject to REDEC obligations.
• Sistema Factoring Bancario Banking factoring system with automatic invoice validation via SRI, Sunat, DIAN, and SII integrations, plus electronic signature capabilities. Enables evaluation and automatic assignment of commercially negotiable invoices issued by banking factors. For bank-affiliated factoring operations across LATAM.
• Máquina de Cobranzas de Créditos (Credit Collections Machine)

Quantifiable outcome

• Automated credit decisions in real-time vs. manual processing
• +3 more outcomes

Named customers14 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration32 records

AI capability9 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered minor, core and supporting.

• Colegio de Enfermeros y Enfermeras de México / Universidad San JorgeminorStrategic or Co-development Partner · 6 February 2023Tantauco Group (parent company) signed cooperation agreement with nursing college in Mexico City through its health division, to contribute to improving Latin American population welfare.
• AWS (Amazon Web Services)coreTechnology or IntegrationPrimary cloud infrastructure provider. Platform hosted on AWS with certifications including ISO/IEC 27001:2022, 27017:2015, 27018:2019, 27701:2019, 22301:2019, 9001:2015, and CSA STAR CCM v4.0. Also supports FICO integration for additional analytical capabilities.
• FICOsupportingTechnology or IntegrationStrategic technology partnership for advanced analytics and scoring capabilities. Logo displayed on integrations section of website alongside AWS, IBM, Azure.
• IBMsupportingTechnology or IntegrationTechnology integration partner. Logo displayed on website integrations section alongside AWS, FICO, Azure, GAILABO.
• Microsoft AzuresupportingTechnology or IntegrationCloud platform option alongside AWS. Logo displayed on integrations section indicating multi-cloud approach.
• GAILABOsupportingTechnology or IntegrationTechnology partner for data and analytics capabilities. Logo displayed on website integrations section.
• NYCE (Normalización y Certificación)supportingTechnology or IntegrationCertification body for ISO 27001:2022 certification. Accredited by EMA (Entidad Mexicana de Acreditación A.C.) with accreditation number 02/17.
• Tantauco (Parent Company)coreOthersExpert Choice is part of Tantauco Group, a larger corporate group that includes ExpertFactors (Ecuador) and other subsidiaries operating across Latin America.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• SAS Institute: Enterprise analytics and risk decisioning vendor (SAS Risk, SAS Fraud). Comparable because banks use SAS as a substitute or complement for credit decisioning, scoring, and risk orchestration workloads.
• TransUnion: Global credit bureau and information services company operating directly in LATAM (e.g., Transunion Chile). Peer because TransUnion supplies both bureau data and decisioning/analytics solutions in the same sales motion to bank risk teams.
• Pegasystems: Enterprise low-code and decisioning platform (Pega Customer Decision Hub, Pega KYC). Comparable because Pega sells decisioning and case-management software into banking credit and collections workflows that overlap directly with Expert Choice's offerings.
• Experian: Global credit bureau and decisioning analytics provider with deep LATAM bureau presence. Comparable because Experian bundles bureau data (which Expert Choice orchestrates) with decisioning software and analytics targeting the same bank buyers.
• Temenos: Major core banking and lending software provider with LATAM presence. Comparable because Temenos' lending and onboarding modules compete at adjacent layers with Expert Choice's decisioning and ERP Riesgo Crédito for the same bank-IT budgets.
• FICO: Global leader in credit scoring, decisioning, and fraud analytics (FICO Score, FICO Platform, Falcon). Directly relevant because Expert Choice integrates FICO and competes with it on decisioning engines for banks in LATAM.
• CRIF: European-headquartered credit bureau and decisioning platform with substantial LATAM operations (CRIF Ecuador, CRIF México). Comparable because CRIF offers both credit information services and decisioning platforms similar to Expert Choice's Motor de Decisiones + Hub stack.

Emerging players

• Provenir: Cloud-native, AI-driven risk orchestration and decisioning platform serving fintechs and banks. Comparable because Provenir bundles credit decisioning with bureau and fraud data integration — the same end-to-end value proposition Expert Choice targets for LATAM banks.
• Mambu: Cloud-native core banking and lending platform used by digital banks and lenders globally. Comparable because Mambu covers loan origination and servicing workflows that overlap with Expert Choice's decisioning plus ERP Riesgo Crédito stack.
• LoanPro: Modern lending and credit management platform used by consumer and SMB lenders. Comparable because LoanPro offers origination, decisioning, servicing, and collections software that competes with subsets of Expert Choice's lifecycle coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ExpertChoiceUsLLC
• Facebookfacebook.com/ExpertChoiceUsLLC
• LinkedInlinkedin.com/company/22296454

Compliance13 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Expert Choice