About Pioneer
Pioneer was founded with a mission of providing banks and credit unions the most flexible end-to-end lending platform that has ever existed. Today, when a banker processes a loan, they are forced to use a hodgepodge of different systems as well as manual processes. This leads to inefficient lending teams, slower processing times, poor user experiences, higher loss rates, higher efficiency ratios, poor reporting, and more. For example a loan may start in a CRM, move over to a Loan Origination System, from there a loan team member will manually pull a number of reports, manually underwrite the loan and receive required approvals, manually enter loan data into a document preparation system, manually track down insurance certificates, manually get loan documents e-sign, and finally manually board the loan. While this process may mostly be online, it’s still fairly inefficient.
Pioneer sets out to change that. First, Pioneer was built from day one as an end-to-end system supporting both commercial and consumer lending. Now, bankers have a single tool to manage the entire life of the loan, from prospecting to payoff. Second, the system is built to be configurable. Using building blocks, Pioneer can take the requirements of your loan program and assemble the software to match what you do. Third, in order to reduce manual entry across a plethora of systems, Pioneer has been developed as API first and will allow you to easily import and export your data.
About Pioneer
Pioneer was founded with a mission of providing banks and credit unions the most flexible end-to-end lending platform that has ever existed. Today, when a banker processes a loan, they are forced to use a hodgepodge of different systems as well as manual processes. This leads to inefficient lending teams, slower processing times, poor user experiences, higher loss rates, higher efficiency ratios, poor reporting, and more. For example a loan may start in a CRM, move over to a Loan Origination System, from there a loan team member will manually pull a number of reports, manually underwrite the loan and receive required approvals, manually enter loan data into a document preparation system, manually track down insurance certificates, manually get loan documents e-sign, and finally manually board the loan. While this process may mostly be online, it’s still fairly inefficient.
Pioneer sets out to change that. First, Pioneer was built from day one as an end-to-end system supporting both commercial and consumer lending. Now, bankers have a single tool to manage the entire life of the loan, from prospecting to payoff. Second, the system is built to be configurable. Using building blocks, Pioneer can take the requirements of your loan program and assemble the software to match what you do. Third, in order to reduce manual entry across a plethora of systems, Pioneer has been developed as API first and will allow you to easily import and export your data.
Avram Titus
Avram is the Founder and Chief Executive Officer of Pioneer Financial Technology. Avram has ten years of experience in product management and banking and an impressive background of joining early stage startups and helping them grow into mature companies. His areas of focus have been launching products, product management, strategy, and regulated lending. Avram has worked on a number of different loan originations systems as well as worked with many different originations teams, gaining expertise in the lending process as well as being able to see first hand what gaps exist in today’s market.
Avram is one of the few individuals who has operated in both the regulated lending world as well as the FinTech world. Avram started his career working at SmartBiz Loans, a FinTech platform turned regulated bank that helps banks originate SBA and conventional commercial loans. SmartBiz has helped facilitate over $9B dollars in lending and has processed millions of loan requests. Most recently, he brought those skills to a growing bank in the Tampa Bay Area as he helped them implement their first ever loan origination system and devised monetization strategies.
Avram Titus
Avram is the Founder and Chief Executive Officer of Pioneer Financial Technology. Avram has ten years of experience in product management and banking and an impressive background of joining early stage startups and helping them grow into mature companies. His areas of focus have been launching products, product management, strategy, and regulated lending. Avram has worked on a number of different loan originations systems as well as worked with many different originations teams, gaining expertise in the lending process as well as being able to see first hand what gaps exist in today’s market.
Avram is one of the few individuals who has operated in both the regulated lending world as well as the FinTech world. Avram started his career working at SmartBiz Loans, a FinTech platform turned regulated bank that helps banks originate SBA and conventional commercial loans. SmartBiz has helped facilitate over $9B dollars in lending and has processed millions of loan requests. Most recently, he brought those skills to a growing bank in the Tampa Bay Area as he helped them implement their first ever loan origination system and devised monetization strategies.
John Macaluso
John joins Pioneer Financial Technology as a key advisor and board member. John has over forty years of experience in information technology and an extensive history of successfully using his leadership and experience to advise clients ranging from start-ups to global financial institutions. He advises on a multitude of topics including all areas of information technology, business planning, innovative solution design and deployment, business and operational leadership and business and technology transformation.
John is one of the industry leaders in large bank technology and strategy. As the former leader and Chief Technology Officer for large bank solutions at Fiserv, and later head of large bank strategy, John has paved the way to growth and success for banks and credit unions of all sizes. Most recently, John served as the Chief Technology Officer for a growing bank in the Tampa Bay area.
John Macaluso
John joins Pioneer Financial Technology as a key advisor and board member. John has over forty years of experience in information technology and an extensive history of successfully using his leadership and experience to advise clients ranging from start-ups to global financial institutions. He advises on a multitude of topics including all areas of information technology, business planning, innovative solution design and deployment, business and operational leadership and business and technology transformation.
John is one of the industry leaders in large bank technology and strategy. As the former leader and Chief Technology Officer for large bank solutions at Fiserv, and later head of large bank strategy, John has paved the way to growth and success for banks and credit unions of all sizes. Most recently, John served as the Chief Technology Officer for a growing bank in the Tampa Bay area.