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What Exactly Is a Leaky Variable? A leaky variable is any feature in your training data that contains information you won't have at...

Running tests has technically never been easier. With highly configurable back-end tech and sophisticated data analysis tools widely...

We see so many lenders get stuck in the same paradoxical situation: they're trying to expand their reach to the millions of underbanked...

The Short Answer: Yes, and Don't Cut Corners When investors, debt providers, and sponsor banks ask to see your credit policy, it may seem...

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...