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 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 efficient: you’ll send key pre-read materials, and we’ll create an agenda that gets the right people in the room for the right conversations.

Within 1–2 weeks, you’ll receive a preliminary report, followed by a detailed Compass Report within three weeks. This 25-point report identifies “no regret moves” you can implement immediately like negotiating data costs, tuning scorecards, or right-sizing a collections team. Our recommendations are specific and actionable, never generic or incompatible with your business.

Clients consistently see fast, measurable results: 40% reductions in credit losses, 44% increases in repeat borrowing, and 20% improvements in collections outcomes following our recommendations. Over 75% of clients bring us back for follow-on work to capture even more value.

If you are looking for a way to identify innovation opportunities, benchmark your company’s credit function, identify risks, and accelerate your business, the Credit Compass may be an excellent fit.