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What Are Leaky Variables and Why They Ruin Credit Models
What Exactly Is a Leaky Variable? A leaky variable is any feature in your training data that contains information you won't have at...

Leland Burns & Jim McGuire
Jul 7


Is Your Test Strategy Just Creating Noise?
Running tests has technically never been easier. With highly configurable back-end tech and sophisticated data analysis tools widely...

Brandon Homuth
Jul 7


Can Lenders Scale to the Mass Market Without Losing Control?
We see so many lenders get stuck in the same paradoxical situation: they're trying to expand their reach to the millions of underbanked...

Brandon Homuth
Jun 30


Do I Need a Credit Policy to Launch a Credit Card or Work with a Sponsor Bank?
The Short Answer: Yes, and Don't Cut Corners When investors, debt providers, and sponsor banks ask to see your credit policy, it may seem...

Scott Bass
Jun 30


Gradient Boost Models: Hidden Risks and How to Avoid Them in Credit Modeling
Gradient Boost Models (GBMs) have become the go-to tool for many credit modelers for good reason. GBMs can unlock meaningful lift in...

Leland Burns & Jim McGuire
Jun 23


How to Choose a Sponsor Bank: A Guide for Fintech Founders Building Credit Products
Why Sponsor Banks Matter So Much Choosing a sponsor bank isn't just another box to check. It’s a consequential decision that influences...

Scott Bass
Jun 23


How to Avoid Common Pitfalls When Measuring Risk on a Revolving Credit Product
At Ensemblex, we work with lenders across the fintech ecosystem — from startups to scaled portfolios — and we see many people making the...

Brandon Homuth
Jun 16


I Have a Fintech Idea but I Don’t Have a Background in Fintech, am I a Good Fit?
Yes — if you bring unique insights, clear conviction, and extreme curiosity, you're a strong fit. In fact, Ensemblex has co-founded with...

Chloe Zhu
Jun 16


Choosing a Loan Origination System When Launching a Credit Card: A guide for fintech teams designing origination flows for modern credit products.
Your Loan Origination System Is One of the First—and Most Critical—Decisions The loan origination system is the first impression of a...

Scott Bass
Jun 9


Custom Credit Models vs. FICO and Vantage: What's the Difference and Why It Matters
FICO and Vantage scores are well-known, widely used, and easily accessible. Meanwhile, building a custom credit model can take...

Leland Burns & Jim McGuire
Jun 9
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