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Innovation Accelerated by Experience

Ensemblex is a specialty analytics and launch partner for neobanks and fintechs.

Product Launch

Bring your idea to market quickly and effectively.

Machine Learning

Improve your bottom line with cutting edge methods tailored to your business needs.

Advising & Consulting

Let our years of experience in lending and fintech work for you.

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We make a great team.

Former operators turned consultants.

We can walk the walk. Our solutions are grounded in data and guided by pragmatism.

High competence, low ego.

Our goal is to find the most powerful solution, and we work dynamically to get there.

Impactful introductions.

We leverage our wide network to find you the perfect partners.

No cookie-cutter solutions.

We structure our engagements to meet your business needs and work with your team.

Meet Our Founders

Shawn Budde and Mike Armstrong, the founders of Ensemblex, first worked together twenty years ago in the sub-prime card business at Capital One. Over the course of a few years they grew the profitability of the business by 60%+.

A decade later they reunited at ZestFinance to build the first consumer lending business using machine learning in marketing, underwriting and collections to drive industry leading loan economics.

They’ve reunited again to form Ensemblex bringing the power of their experience in lending and machine learning to lenders looking to add value across the full consumer lifecycle.


Our Impact Shows in Your Bottom Line


Approval Rate Increase


Reduction in Credit Losses


Decrease in Acquisition Costs

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