About Maloni

Maloni develops applied AI systems and software. This page provides company context and key contacts.

What we do

• Applied AI for lending workflows (e.g., scoring, underwriting support, collateral workflows)
• AI-assisted diagnostics workflows that produce structured outputs for review
• Supporting technology and governance artifacts (documentation, versioning, audit logs)

Leadership

Responsible lead

Rostislav Sikora

• Role: Responsible lead
• Experience focus: AI engineer & Lending Expert
• LinkedIn: linkedin.com/in/rostislav-sikora-4b70aa24
• Experience: credizen.net/ro-RO/despre-autor

Operating model

Maloni works as a delivery-focused team: scoping the workflow, producing model outputs and evaluation evidence, and integrating monitoring and governance artifacts. Projects typically involve product, risk/compliance, and engineering/data stakeholders.

Experience summary

AI engineer & Lending Expert

• 25 years in banking; specialization: online consumer loans
• Scope: licensing and compliance, scoring and anti-fraud, P&L ownership, and collection
• Summary (self-reported): over 2,000,000 loans issued with total value $5B; average rating 4.8/5

Key career milestones

• Multitude (Ferratum) — 15 years
  • Early microloans in Europe; scale from a small company to a multinational group operating in 25 countries
  • Progression to listing on the Frankfurt Stock Exchange
• Nigeria — Digital transformation — 3 years
  • Led transition from a traditional bank to fully online operations
  • End-to-end process and customer experience digitalization
• Confindo.com — 1 year
  • Led and developed online loan comparator workflows
  • Built affiliate channels and optimized conversion flows
• MoneeTech (UK)
  • Go-to-market and scaling for online loans
  • Operational setup and execution

What he can help with

• Go-to-market for online loans: licensing, compliance, pricing, risk, underwriting, collection
• International expansion: local regulations, product localization, operational configuration
• AI in lending: credit scoring, anti-fraud, marketing attribution, AI-driven recommendations
• Distribution and affiliate channels: comparators, white-label integrations, performance KPIs
• P&L responsibility: end-to-end management from acquisition to collection

Links and references

• LinkedIn: Professional profile
• Confindo: confindo.com
• MoneeTech: moneetech.com
• Multitude: multitude.com

Contact

Use the contact page for inquiries and project intake.

Explore solutions: /solutions

Contact: /contact