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Gradient Boost Models (GBMs) have become the go-to tool for many credit modelers for good reason. GBMs can unlock meaningful lift in...

Why Sponsor Banks Matter So Much Choosing a sponsor bank isn't just another box to check. It’s a consequential decision that influences...

At Ensemblex, we work with lenders across the fintech ecosystem — from startups to scaled portfolios — and we see many people making the...

Yes — if you bring unique insights, clear conviction, and extreme curiosity, you're a strong fit. In fact, Ensemblex has co-founded with...

Your Loan Origination System Is One of the First—and Most Critical—Decisions The loan origination system is the first impression of a...

FICO and Vantage scores are well-known, widely used, and easily accessible. Meanwhile, building a custom credit model can take...

Choosing the right underwriting model is one of the most strategic decisions a lender makes. The right approach depends on many factors:...

As 5x fintech founders, we know what it takes to build a successful venture from scratch. With Ensemblex, you gain the best co-founding...

One of the most common questions we get about building a credit model is " How much data do I need to make it work? " And like many...

Your decisions when launching a lending product—especially a modern credit card—are high-stakes. The infrastructure that you choose...