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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

What operations infrastructure do you need beyond your LMS and LOS? Even “full-suite” LMSs and LOSs will leave some gaps. Adding to the...

We get the question almost every week—from Series A founders, Heads of Lending at established fintechs, even board members. They’re...

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...

There are numerous benefits to owning your own UX infrastructure as a credit card lender. You have total control. You can test things...

Years ago, while running at a subprime lending operation, we used to offer customers the option to receive their credit card via standard...

In short: Yes, we can. But not without you. Potential clients, especially in emerging markets, often ask us how well we understand the...

Every credit card application flow will include some sort of bureau data request, often called a credit "pull". There are multiple kinds...

Over the past decade, easy capital, VC expectations, and aggressive customer acquisition targets led many fintechs to pursue scale with a...

Many early-stage lenders hesitate to test new product ideas because of the perceived expense. That's a shame, because great testing...