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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
20 minutes ago


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
23 minutes ago


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


What Underwriting Approach Is Right for My Business: Expert System, Decision Tree, Logistic Regression, or Gradient Boost?
Choosing the right underwriting model is one of the most strategic decisions a lender makes. The right approach depends on many factors:...

Brandon Homuth
Jun 2


What does co-founding with Ensemblex Venture Builder look like?
As 5x fintech founders, we know what it takes to build a successful venture from scratch. With Ensemblex, you gain the best co-founding...

Chloe Zhu
Jun 1


How Much Data Do I Need to Build a Credit Model?
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...

Leland Burns & Jim McGuire
May 27


Choosing the Right Loan Management System: A Guide for Fintechs Building Credit Products
Your decisions when launching a lending product—especially a modern credit card—are high-stakes. The infrastructure that you choose...

Scott Bass
May 26
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