April 2022

Avoid a Knock-Out

Case Study

No matter how powerful the algorithms, a model that is unmoored from the underlying business and its data is at best sub-optimal and at worst dangerous. Read how Ensemblex got a client back on track after their model rollout, developed without guidance from credit experts, led to a drastic increase in risk levels. 

May 2020

How Broken Is Your Model?

White Paper

 In response to the current crisis, many lenders are trying to figure out what adjustments to make to their current underwriting model. This novel Pancession requires a new solution. Our latest white paper provides a diagnostic tool, using real-time performance data, to help lenders assess their model performance. Lenders can then make adjustments to strengthen their model for the evolving economic environment.

April 2020

Measuring Payment Shock

White Paper

 An extraordinary crisis requires non-traditional tools. We've developed a new report that quickly and succinctly captures the impact of delinquency, forbearance and other shifts in payment behaviors. This new report provides the clearest diagnostic to guide the urgent strategic adjustments necessary to navigate the current crisis.

March 2020

Unprecedented Times

Managing through COVID-19

 The current economic crisis is unprecedented in so many ways. For lenders, the implications are immediate. Find out what you can be doing right now, to respond to this crisis.