Rostislav Sikora — AI Expert in Lending
I help bank and non‑bank lenders increase risk‑adjusted profit using AI onboarding, credit scoring, pricing and fraud detection.
Rostislav Sikora
AI Orchestrator & Loan Specialist | Founder of Credizen
I help bank and non‑bank lenders increase risk‑adjusted profit using AI onboarding, credit scoring, pricing and fraud detection.
With over 20 years of experience in lending, credit risk and product strategy, I focus on applying AI as an integrated decision system across the full credit lifecycle — from acquisition to portfolio performance.
My work sits at the intersection of business, risk, data and regulation, helping lending products scale profitably while remaining regulator‑ready in EU markets.
Core Expertise
AI‑Driven Onboarding
Conversion optimization, drop‑off reduction, and real‑time fraud prevention in the loan application flow.
Credit Risk Scoring
Application & behavioral scoring, PD models, expected loss estimation, champion/challenger frameworks.
Risk‑Based Pricing
Profit‑optimized pricing strategies that balance risk‑adjusted returns with competitive market positioning.
Fraud Detection
Real‑time, behavioral, and network‑based fraud detection systems that protect lenders without blocking legitimate customers.
International Expansion
Market entry strategy, regulatory readiness, and scalable playbooks for launching lending operations in new countries.
Portfolio Performance
End‑to‑end credit lifecycle management from acquisition to collections, maximizing risk‑adjusted ROI.
Professional Experience
ACEMA Credit Czech, a.s.
March 2026 – PresentProduct Business Development Manager
Driving profitable growth of AI‑based lending products across acquisition, pricing and portfolio performance. Responsible for end‑to‑end growth of the Business Invest AI product, combining product strategy, go‑to‑market execution and data‑driven optimization.
- • Owned end‑to‑end product economics, from acquisition and onboarding to pricing and portfolio performance
- • Drove go‑to‑market strategy for AI‑based investment and lending products across multiple international markets
- • Optimized P2P financing and investor performance through the Bondster platform
- • Improved profitability through data‑driven optimization of product flows, pricing logic and performance metrics
MONEE TECH
November 2024 – November 2025New Business Developer — International Expansion (Consumer Lending)
Led market entry and expansion initiatives for consumer loan products, owning go‑to‑market strategy, unit economics and portfolio performance across newly launched countries.
- • Successfully launched and scaled digital consumer lending operations in the United Kingdom
- • Achieved profitable unit economics through strategic pricing, credit scoring and revenue optimization
- • Built scalable market entry playbooks enabling faster expansion into additional countries
- • Applied data‑driven decision‑making, automation and bespoke credit scoring models
BANCOVO
February 2023 – November 2024Business Development
Partnering with creditors in Central Europe to make borrowing and granting loans easier and more effective globally through the BANCOVO lending platform.
Multitude (formerly Ferratum)
April 2007 – March 2024 (17 years)International Lending Expansion & Credit Strategy Leader
Led large‑scale international expansion of non‑bank loan businesses, launching and scaling new consumer and SME lending operations across 24 countries on 3 continents (Europe, Asia, Americas).
- • Opened and scaled new lending markets across 24 countries from initial assessment to full launch
- • Designed complete loan business setups including product definition, credit policy, pricing strategy and portfolio management
- • Built and optimized credit scoring and decision strategies using statistical models, rules and data analytics
- • Achieved sustainable unit economics through disciplined risk management and pricing
- • Established local regulatory frameworks, credit processes and operational models per country
Projects & Portfolio
A selection of platforms and projects I have built or contributed to, applying AI and lending expertise to real‑world products.
Credizen
AI‑Powered Loan Comparison Platform
Multi‑country loan comparison network covering 14 countries and 20 locales. Uses AI‑driven scoring and matching to connect borrowers with the most suitable lenders based on 50+ data points — not just commission size.
www.credizen.net →Maloni s.r.o.
Digital Solutions & Technology
Technology brand behind Credizen and other fintech products. Focused on building scalable digital solutions for the financial services industry using modern web technologies and AI.
www.maloni.cz →Expert na Půjčky
Czech Loan Comparison & Advisory
Czech‑language loan comparison platform helping borrowers navigate the local lending market. Provides expert guidance on personal loans, mortgages and credit products from Czech and EU‑regulated providers.
www.expertnapujcky.cz →Autozastava24
Vehicle‑Secured Lending Platform
Specialized platform for vehicle‑secured loans in the Czech market. Connects car owners with lending options using their vehicle as collateral, with transparent terms and competitive rates.
www.autozastava24.cz →MyZenCheck
AI‑Powered Financial Wellness Tool
Digital financial wellness platform that helps users assess and improve their financial health. Combines AI analysis with actionable insights to guide better financial decision‑making.
www.myzencheck.net →Top Skills
Education
University College London, U. of London
Marketing, Economics (2003 – 2006)
Languages
Certifications
- • C# Developer
- • Agile Foundations
- • Agile at Work: Building Your Agile Team
- • Agile at Work: Driving Productive Meetings
About Credizen
Credizen is the AI‑powered loan comparison platform I founded in 2025 to solve a problem I witnessed throughout my 20‑year career in lending: borrowers in emerging and developing markets lack transparent tools to compare loan offers and make informed decisions.
Today, Credizen operates across 14 countries and 20 locales, working with 160+ licensed lenders — from traditional banks to innovative fintechs. Our AI matching algorithm analyzes 50+ data points to predict approval likelihood and rank lenders by the borrower’s best interest, not by commission size.
Countries
Licensed Lenders
Locales & Languages
Let’s Work Together
Whether you’re a lender looking to improve risk‑adjusted returns with AI, a fintech exploring partnership opportunities, or need expert guidance on credit strategy and international expansion — I’d be glad to connect.