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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 questions in credit modeling, the answer is " it depends ." In this post, we’ll break down the data volume question across three dimensions: rows , columns , and outcomes , and how those impact your modeling approach. Row Count: How Many Records Do You Need? Most clients asking about data volume are thinking of the row count (the number of histor

Your decisions when launching a lending product—especially a modern credit card—are high-stakes. The infrastructure that you choose determines your ability to scale, stay compliant, and deliver a frictionless customer experience. At the heart of that infrastructure? Your Loan Management System (LMS). Here's what you need to know to choose the right one. What to Look For in a Loan Management System 1. API-First Architecture for Seamless Integration Modern fintech stacks are mo

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

🚀 Accelerated Journey Put simply: studios like Ensemblex compress the launch timeline. Especially in highly regulated sectors like...

If you’ve built credit underwriting models, you're familiar with the modeling metric called “AUC.” AUC is the primary metric used to...

To build or not to build? It’s one of the biggest decisions you’ll make. When launching a credit card or lending product, one of the first decisions you face is how to architect your infrastructure. Should you choose a turnkey Banking-as-a-Service (BaaS) platform? Or should you DIY it, stitching together all the vendors yourself? There’s no universally right answer. Both have pros and cons and how you weigh them is unique to your goals. But think carefully: your decision now

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

FinRegLab, a nonprofit focused on innovations that advance responsibility and inclusiveness in the financial sector, has released the results of a broad research project entitled Explainability and Fairness in Machine Learning for Credit Underwriting (1). Noteworthy for its range of empirical testing and numerous collaborators, including many leading financial technology companies, the paper is a comprehensive review of the tools available to help lenders responsibly and comp