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How Does Working with a Partner Help My Internal Modeling Team?
If you already have smart people on your team—and you’re not looking to fully outsource your modeling work—why bring in an outside partner? We’ve partnered with all sorts of modeling teams, from small startups creating their first model to established lenders and banks with mature modeling talent and fully built-out systems. Across all of them, we’ve learned how to make our presence a multiplier, not a crutch. Here’s how. 1. We meet you where you are We don’t sell prebuilt mo

Leland Burns
19 hours ago


Beyond LOS & LMS: What Else You Need to Launch a Credit Card Program
What operations infrastructure do you need beyond your LMS and LOS? Even “full-suite” LMSs and LOSs will leave some gaps. Adding to the...

Scott Bass
Oct 13


When Should I Hire an Executive Risk Advisor?
We get the question almost every week—from Series A founders, Heads of Lending at established fintechs, even board members. They’re...

Brandon Homuth
Oct 6


We Underwrite with a Lot of Rules. Can We Safely Get Rid of Them?
One of the most common questions we hear about credit model modernization is this: “We use a lot of underwriting rules—how can we safely...

Leland Burns & Jim McGuire
Sep 29


Build vs. White Label: What Founders Need to Know About Credit Card UX
There are numerous benefits to owning your own UX infrastructure as a credit card lender. You have total control. You can test things...

Scott Bass
Sep 22


Poking the Bear: How Can I Engineer UX to Create A Data Advantage?
Years ago, while running at a subprime lending operation, we used to offer customers the option to receive their credit card via standard...

Brandon Homuth
Sep 15


Can Ensemblex Build a Good Credit Model in My Market?
In short: Yes, we can. But not without you. Potential clients, especially in emerging markets, often ask us how well we understand the...

Leland Burns & Jim McGuire
Sep 8


What Are The Trade-offs Between Soft Pulls and Hard Pulls for Credit Card Applications?
Every credit card application flow will include some sort of bureau data request, often called a credit "pull". There are multiple kinds...

Scott Bass
Sep 1


From Growth at All Costs to Sustainable Profitability: Lessons from a Leading LatAm Fintech
Over the past decade, easy capital, VC expectations, and aggressive customer acquisition targets led many fintechs to pursue scale with a...

Brandon Homuth
Aug 27


How Can You Test Lending Ideas Without High Costs?
Many early-stage lenders hesitate to test new product ideas because of the perceived expense. That's a shame, because great testing...

Brandon Homuth
Aug 26
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