Lending as a Service
Our unique approach sets us apart from other FinTech platforms
Uses next-generation underwriting, a fully automated approach with data- and optimization-driven characteristics
Leverages knowledge of consumer behavior across the full credit spectrum, enabling us to effectively price, manage, and monitor risk at a higher level
Incorporates risk, prescreen, conversion, fraud, and lifetime profitability models
Our AI models offer a better way to measure credit risk
Refined over 10 years
Trained on more than 121 million data points
Drawing on more than 30,000 predictive variables
More predictive than industry benchmarks
Rich datasets and unmatched AI power the accuracy of our scalable, real-time credit decisioning systems.
Our culture of continuous innovation transcends the business
We operate under a Lean Six Sigma methodology
We leverage data science, artificial intelligence and machine learning not just to assess credit and fraud risk...
...but also for marketing, prepayment, conversion, compliance and customer service