Credit FAQs

We see so many lenders get stuck in the same paradoxical situation: they're trying to expand their reach to the millions of underbanked or thin-file customers, but their own policies stand in the way. For good reason. Governance structures designed for lending to prime, salaried borrowers shouldn't be recklessly expanded to serve borrowers with no credit history. That would be trying to serve a  motorbike mechanic using the same credit policies built for a  mid-career engine

At Ensemblex, we work with lenders across the fintech ecosystem — from startups to scaled portfolios — and we see many people making the same mistakes when measuring risk on revolving credit products. These mistakes lead to bad decisions, mispriced risk, and inaccurate expectations for portfolio performance. Here are some of the most common pitfalls and how to avoid them. 1. Measuring Risk “Vertically” Instead of Horizontally Many lenders look at risk in time slices — delinqu

Choosing the right underwriting model is one of the most strategic decisions a lender makes. The right approach depends on many factors:...

Lending is a cash flow business. Every decision you make — from marketing spend to credit policy to pricing — has a long-term economic...

Credit Compass is Ensemblex’s fast, focused consulting engagement built for fintech founders, credit leaders, and lending P&L owners. In just 1.5 days onsite, we unpack your entire credit operation—originations to collections—and deliver a clear, customized roadmap for unlocking performance. It’s a high-return, low-lift engagement designed to make an immediate impact. We know your team is busy. Our onsite deep dive covers the full lending cycle, but we keep the process effici

“We raised too much money,” he said. “I thought we could figure out the economics later.”