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.
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.
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.
Why Partner
Connected
120+ years of insider experience + network
Experienced
Battle scars building 3x unicorns and leading 4x banks
Disciplined
Vet and build ventures with veteran grit and Wall Street rigor
"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