Deep Experience

It takes many years and a few economic cycles to understand and effectively manage credit risk patterns in a sustainable way.

Our seasoned and experienced team has collectively managed over $75B+ in consumer and small business credit portfolios at large financial institutions through many credit cycles. We have combined 50+ years in credit risk management, underwriting, analytics, etc. through multiple recessions.

Our extensive experience in advanced big data analytics and techniques help us combine leading risk analytics with time tested credit intuition.

  • Ash Gupta
    • 40+ years experience
    • Worlds leading expert on Consumer and Small Business Credit
    • Pioneer in defining and growing credit products globally
  • Manish Gupta
    • 24+ years of experience in financial services
    • Chief Credit Officer for leading credit provider
    • Launched and ran credit businesses with multi-billion dollar P&L
  • Jean-Paul Ndong
    • 18+ years of experience in advanced credit analytics
    • Ran underwriting and pricing at leading credit provider
    • Experience running risk at marketplace lending platform