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Innovation Accelerated by Experience

Ensemblex is a team of lending experts with decades of experience building and scaling credit businesses, from industry -leaders to high-growth startups. 

Product Launch

Bring your idea to market quickly and effectively.

Machine Learning

Harness the power of machine learning to reduce risk and increase approvals. 

Advising & Consulting

Access seasoned credit experts to accelerate your business.

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We make a great team.

Operators turned consultants.

We can walk the walk. Our solutions are grounded in data and guided by pragmatism.

High competence, low ego.

Our goal is to find the most powerful solution, and we work dynamically to get there.

Impactful introductions.

We leverage our wide network to find you the perfect partners.

No cookie-cutter solutions.

We structure our engagements to meet your business needs and work with your team.

Meet Our Founders

Shawn Budde and Mike Armstrong, the founders of Ensemblex, first worked together twenty years ago in the sub-prime card business at Capital One. Over the course of a few years they grew the profitability of the business by 60%+.

A decade later they reunited at ZestFinance to build the first consumer lending business using machine learning in marketing, underwriting and collections to drive industry leading loan economics.

They’ve reunited again to form Ensemblex. They bring the power of their experience in lending and machine learning to a wide range of clients, from startups to market leaders. 

Ensemblex Founders Mike Armstrong Shawn Budde

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