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Lending is a cash flow business. Every decision you make — from marketing spend to credit policy to pricing — has a long-term economic...

🚀 Accelerated Journey Put simply: studios like Ensemblex compress the launch timeline. Especially in highly regulated sectors like...

If you’ve built credit underwriting models, you're familiar with the modeling metric called “AUC.” AUC is the primary metric used to...

To build or not to build? It’s one of the biggest decisions you’ll make. When launching a credit card or lending product, one of the...

Credit Compass is Ensemblex’s fast, focused consulting engagement built for fintech founders, credit leaders, and lending P&L owners. In...

FinRegLab, a nonprofit focused on innovations that advance responsibility and inclusiveness in the financial sector, has released the...

Make explainability the core of the process, not a feature of the model.

“We raised too much money,” he said. “I thought we could figure out the economics later.”