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Credit FAQs


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
3 days ago


What is NPV Modeling — and Why Lending Companies Can’t Grow Without It
Lending is a cash flow business. Every decision you make — from marketing spend to credit policy to pricing — has a long-term economic...

Brandon Homuth
May 19


Credit Compass: High-Impact Insights to Accelerate Your Lending Business
Credit Compass is Ensemblex’s fast, focused consulting engagement built for fintech founders, credit leaders, and lending P&L owners. In...

Brandon Homuth
May 6


Adapt and Survive in a Changing Economy
“We raised too much money,” he said. “I thought we could figure out the economics later.”

Shawn Budde
Jul 26, 2022
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