Advising & Consulting
Whether you are a seed-stage founder building a first time credit policy, a growth-stage company looking to scale quickly while managing credit risk, a mature lender wanting to optimize pricing and line assignment, or building a successful collections strategy in the face of credit headwinds, we have been in your shoes.
Our advisory team comprises credit experts with an average of 20 years experience who have successfully steered small and large lending businesses across multiple geographies and every consumer and SMB lending product through various economic cycles.
"Ensemblex gave us very valuable insights on how to approach credit risk when designing the pilot for a new credit product while building a strategic framework to develop a learning agenda for all our credit products with an holistic vision of the business. As a result we came up with more creative and efficient solutions to our obstacles." - Joaquin Dominguez, Chief Credit Officer, Ualá READ MORE
Path to Viability
We helped a US point-of-sale lender reduce first pay defaults by 70%, achieve profitable unit economics, and close a debt facility.
Path to Profitability
We helped a series C Latam consumer fintech increase repeat borrowing from 45% to 65%, identify 60% of merchant fraud weeks earlier, and decreased new account risk by 27%.
Profit Optimization
We helped a large US installment lender optimize pricing and line assignment, resulting in 37% increase in total margin and 7% increase in bookings.
Advisory Engagements Tailored to Meet Your Unique Needs
Fractional Chief Risk Officer
Get access to senior credit executive guidance at an affordable price.
Initial Assessments
Let's work together on the roadmap to success. Get insight on performance, strategy, and opportunities for growth.
Project-Based Engagements
Whether it's drafting a credit policy, cleaning up a loan tape or building data architecture: leverage our experience to get the job done right.