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Here at Instantor, we are all about helping financial institutions to optimise their credit underwriting process and to enhance their credit scoring model.


We’ve trained our advanced Machine Learning models on billions of transactions to identify the most predictive behavior, for your credit risk models.

Edu Puerto

– Sales Manager, experienced with Instantor’s full product suite “As a sales manager, I always make sure to go that extra mile for my clients – whatever that might be. Communicating is one of my strongest attributes and by speaking four different languages I’m able to make a conversation fly with just about anyone. Whatever you need – I’ll make it happen.”

Languages: Spanish, English, Swedish, Catalan Hobbies: Football, movies, traveling

Patrick Balfanz

– Sales Manager, with background in credit underwritingWith my roots in credit underwriting, I have the ability to see both sides of the coin when it comes to credit risk. Meeting people is what drives me in my day to day work and as I’m passionate about what we do here at Instantor – it’s easy to represent our products.”

Languages: English, German, Swedish Hobbies: Traveling, music, basketball