FinScore, the country’s leading provider of alternative credit scoring solutions, has appointed Angel Dimitrov as its new Chief Operating Officer (COO) and Country Manager—a move that signals a stronger focus on helping more Filipinos access fair and smarter lending opportunities.
With over a decade of experience in financial technology, data analytics, and credit risk assessment, Dimitrov brings a solid track record in building tools that help lenders make better decisions, especially for people without traditional banking histories.
Helping the Underbanked Through Data
In many parts of the Philippines, people are denied loans simply because they lack formal credit records. FinScore tackles this problem by using alternative credit scoring—a method that looks beyond credit cards and bank statements. Instead, it analyzes mobile data and telco activity to paint a clearer picture of a person’s financial behavior.
Since co-founding FinScore in 2018, Dimitrov has played a key role in developing these tools. Under his leadership, the company created models specifically designed to assess underbanked communities—those who may not have access to banks but still deserve financial trust.
Now as COO and Country Manager, Dimitrov will lead FinScore’s strategic growth while continuing to expand its partnerships with banks and lending institutions. His goal: to help financial institutions lend more responsibly while also extending services to those previously left out.
One of the highlights of Dimitrov’s leadership is the relaunch of CrediView, FinScore’s advanced credit insights platform. It gathers data from over 30 lenders in the country, offering real-time “Flags” that give lenders a more accurate view of an applicant’s creditworthiness.
“With CrediView, lenders can extend credit to more unbanked applicants while effectively reducing default rates,” said Dimitrov. “It turns raw data into real insights, helping financial institutions make faster, fairer, and smarter loan decisions.”
Towards a More Inclusive Financial Future
Under Dimitrov’s leadership, FinScore will continue to expand its suite of AI-powered tools to support banks, microfinance groups, and other lenders. The ultimate goal? To create a lending environment where more Filipinos—regardless of their background—can access the credit they need to build better lives.