William Jalloul, Flowpay CEO, argues that avoiding defaults means not taking enough risks in the fintech space. Speaking to Sifted, he emphasizes that calculated risk-taking is essential for innovation and growth in lending. Jalloul discusses Flowpay’s approach to credit underwriting, balancing aggressive expansion with responsible risk management.

He highlights the company’s focus on serving underserved SMEs through alternative data and dynamic scoring models. The interview touches on Flowpay’s recent funding rounds, valuation milestones, and expansion into new European markets. Jalloul also reflects on the cultural and operational challenges of scaling a pan-European fintech.

He stresses the importance of resilience, adaptability, and long-term vision in navigating economic uncertainty. The conversation underscores Flowpay’s mission to democratize access to capital while maintaining financial discipline.