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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 several entrepreneurs that came outside of fintech. At Ensemblex, we back domain experts, technologists, and operators who do not rest until they fix a problem. Whether you're coming from sports, music, education, or engineering— if you’ve felt the friction, understand the user, and have a bold idea for how the world should evolve, you're ex

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...

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

As 5x fintech founders, we know what it takes to build a successful venture from scratch. With Ensemblex, you gain the best co-founding team from day zero — focused, tactical, and fast. But what does the process actually involve? 1. Align our Visions The first step is a deep-dive conversation. Not a pitch, not a deck. A conversation. We explore the problem space with you, asking hard questions, mapping the system, and identifying leverage points. We evaluate founder-market fi

One of the most common questions we get about building a credit model is " How much data do I need to make it work? " And like many...