credit-risk
(24)
The Software Behind the Awkward Conversation About Money
EXUS has spent decades turning collections from a blunt sequence of calls into a configurable system of decisions. Its pitch is less about chasing harder than helping banks know whom to contact, when, how - and when to give a customer another route.
How Oxane Partners Put $1.5 Trillion of Private Credit on One Screen
Private credit grew faster than its plumbing. Oxane Partners built the control room - software, analysts and all - for the documents, covenants and awkward loan data that spreadsheets can no longer contain.
The Riskiest Supplier Is the One Whose Numbers You’ve Never Seen
RapidRatings built a business by asking private suppliers for the one thing risk databases rarely possess: their actual financial statements. Now it is trying to pair that deep view with coverage broad enough for the whole supply chain.
Abrigo’s Quiet Bet: Make 2,400 Community Banks Move Like the Giants
Community banks cannot outspend the giants. Abrigo’s answer is to package the unglamorous machinery of lending, fraud, compliance and risk into one operating layer - then let smaller institutions automate the work that used to eat their week.
Biz2X Turned a Lending Scar Into Software Banks Can Actually Use
Banks know small businesses want fast answers. Biz2X sells the less glamorous thing that makes those answers possible - a configurable lending stack built from years of watching loans move, stall and sometimes go bad.
Baker Hill Turned a Banker’s Spreadsheet Problem Into a $7 Billion-a-Month Lending Machine
Baker Hill has spent four decades turning tax returns, ticklers and credit memos into software. Its next act is an AI-era platform for community lenders - and a reminder that automation only works after a bank cleans up the way it works.
Cauris Is Turning Africa’s Messy Loan Data Into a $40 Million Credit Machine
African fintech does not only need more money. It needs credit that can see what is happening after the wire lands - and Cauris built its pitch around that unglamorous, valuable job.
Nguyen Nguyen Is Rewriting the Credit File
A Barclays credit-risk specialist saw what a missing credit history could cost. Thirteen years after coding a first score beside the Hudson, his company is trying to make lending see the people its paperwork misses.
S&P Global
It scores the debt of nations, names the index in your retirement account, and prices the oil in your tank. Meet the 165-year-old data company most people have never Googled.
FinbotsAI
FinbotsAI is a Singapore-headquartered fintech that builds AI-powered credit risk software for banks and lenders. Its flagship no-code platform, CreditX, lets risk teams create, validate and deploy custom credit scorecards in about a day instead of the industry-standard nine to twelve months. Founded in 2017 and backed by a US$3M Series A from Accel, the company serves lenders across roughly a dozen markets in Asia and MENA, and was among the first fintech solutions worldwide to complete Singapore's MAS Veritas and AI Verify governance frameworks.
RDC.AI
RDC.AI (formerly Rich Data Co) is a Sydney-founded software company that builds an explainable AI decisioning platform for business and commercial lenders. Its cloud-native platform ingests transactional and alternative data to help banks originate, assess, monitor and manage loans faster and more transparently, producing a reason code for every decision so lenders can satisfy fair-lending and regulatory obligations. Backed by Westpac, nCino and Acorn Capital through a A$37m Series B, RDC.AI counts institutions such as M&T Bank, Westpac and BNZ among its customers and is expanding into North America.
CredCore
CredCore is a New York-based vertical-AI company modernizing the roughly $5 trillion enterprise debt capital markets. Its platform turns unstructured credit-deal documents into structured, actionable intelligence across the full deal lifecycle - pre-deal evaluation, diligence, and post-deal portfolio monitoring - while pairing proprietary AI models with the oversight of senior credit and legal experts. Backed by $16M in Series A funding led by Avataar Ventures, CredCore supports asset managers overseeing hundreds of billions in assets and won the Banking category at the 2025 Money20/20 Awards.
Credit Benchmark
Credit Benchmark is a London- and New York-based financial data analytics company that turns the internal credit risk views of 40+ of the world's largest banks into anonymized, aggregated Credit Consensus Ratings. By pooling the assessments of roughly 20,000 credit analysts, it produces obligor-level ratings and analytics on 110,000+ public and private entities across 160 countries - covering many companies, funds and sovereigns that traditional agencies never rate - and delivers them through a web app, Excel add-in, API and partners such as Bloomberg and Snowflake.
Highline
Highline is a Dallas-based fintech that runs an intelligent payment network called Pay by Paycheck, which lets consumers automate bill and loan payments directly from their paychecks before the money reaches their bank accounts. By capturing funds through a payroll split at the moment payroll is run, Highline helps borrowers avoid missed payments, late fees and overdrafts while giving lenders and billers a more reliable way to get paid - expanding access to lower-cost credit for the roughly 40 million Americans who have steady jobs but thin or subprime credit files.
Geoff Brown
Geoff Brown is the co-founder and CEO of Highline, a Dallas-based fintech that runs a payments network pulling bill payments and loan repayments directly from a worker's paycheck instead of a bank account. A self-described numbers geek with a math and physics degree from the University of Florida, he spent two decades in consumer banking and credit risk at Capital One, Santander and Salary Finance before starting Highline in 2020. The company raised $13 million in Series A funding in 2022 and pitches payroll-linked payments as a way to cut missed payments and expand access to lower-cost credit.
FICO
FICO (Fair Isaac Corporation) is the analytics-software company behind the FICO Score, the credit-risk measure used in roughly 90% of top U.S. lending decisions. Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac, the company applies predictive analytics and AI to help banks, lenders, insurers and other enterprises make faster, data-driven decisions. Beyond the score, FICO sells the cloud-based FICO Platform and applications such as Falcon Fraud Manager and Blaze Advisor. Headquartered in Bozeman, Montana and traded on the NYSE as FICO, the lean, ~3,800-person firm reported record fiscal 2025 revenue of about $2.0 billion.
Trusting Social
Trusting Social is an AI fintech company that builds credit scores and identity products for the roughly one billion people across Asia who fall outside traditional credit bureaus. Founded in 2013 and headquartered in Singapore, it combines big-data and machine-learning models with alternative data - telco, web, and mobile signals - so banks and lenders can underwrite, verify, and acquire customers who were previously invisible to the financial system. In recent years the company has extended into generative AI, launching Agent Foundry, a platform of autonomous banking agents, on Microsoft Azure.
Michael Crumpler
Michael Crumpler is the Chief Executive Officer of Credit Benchmark, a London- and New York-based financial data firm that aggregates anonymized internal credit risk views from more than 40 global banks, including 17 Global Systemically Important Banks, into consensus ratings on over 80,000 entities. He was appointed CEO in June 2023 after seven years at the company, most recently as Chief Operating Officer and Head of Risk, where he oversaw a period of 25% revenue growth. Before Credit Benchmark, he spent roughly two decades in credit risk seats at Goldman Sachs, Barclays, Dexia, and Moody's, focused on energy, infrastructure, and U.S. public finance.
BankersLab
BankersLab is a fintech education and decisioning company that builds 'flight simulator' style software for lenders and bankers. Founded in 2012 by Michelle Katics and Kurt Gingher, it lets banks, credit unions and lenders practice consumer, retail and SME portfolio management in a risk-free simulation environment, then extends that same engine into AI-enhanced decision support. Its gamified, team-based workshops - ScoringLab, CreditLab, CollectionLab and InsightLab - have trained thousands of banking professionals across 30+ countries.
Wholesail
Wholesail is a San Francisco fintech building the accounts receivable platform for the food and beverage supply chain. It helps food and beverage distributors onboard customers, automate collections, manage credit risk, and accept ACH and card payments so they get paid faster while keeping customer relationships intact. Founded by ex-OpenTable product and engineering leaders, the company targets the largely paper-driven, trillion-dollar US food distribution market.
Michelle Katics
Michelle Katics is the co-founder and CEO of BankersLab and PortfolioQuest, SaaS simulation platforms she describes as flight simulators for bankers. After two decades inside the machinery of global finance - the Federal Reserve Bank of Chicago, the IMF, Fair Isaac (FICO), and Standard Chartered - she decided the best way to teach risk was to let people lose fake money first. Her platforms run synthetic loan portfolios with more than a trillion possible outcomes, training bankers in over 45 countries. A fixture of the Singapore and Southeast Asian fintech scene, she has been named to the Women in FinTech Power List and recognized by the Monetary Authority of Singapore.
Siam Digital Lending
Siam Digital Lending (SiamDL) is a Bangkok-based, Bank of Thailand-licensed digital lender that uses agentic AI to approve and disburse personal and nano-finance loans entirely online - no branches, no paperwork. Its proprietary AiTHENA underwriting engine analyzes thousands of data points to extend responsible credit to Thais often shut out of the formal banking system, with the explicit aim of pulling borrowers out of the reach of loan sharks. The company raised an oversubscribed $7.8M Series A in April 2026.
Eli Chait
Eli Chait is the Co-Founder and CEO of Wholesail, a San Francisco-based B2B payment risk management platform modernizing accounts receivable for food and beverage distributors. His origin story is unusually grounded: at age 12, he was entering invoices for his father's restaurant in Los Angeles. That early hands-on encounter with the pain of paper-based B2B trade became the north star for his entire career - from co-founding Copilot (a restaurant analytics startup acquired by OpenTable) to leading Wholesail through a $22.6M Series A. With a team of repeat entrepreneurs forged at OpenTable, Wholesail is building the credit and payments network for the $1+ trillion US food distribution market.
Deniz A. Johnson
COO of Stratyfy, adjunct faculty at Northeastern University, and one of the most credible voices in the fight against algorithmic discrimination in financial services. Born in Istanbul, educated in engineering and business, Deniz has spent decades bridging the gap between AI technology and human consequences — building interpretable, bias-mitigating AI systems used by 20+ lenders through the Underwriting for Racial Justice programme. She is a serial board member, community convener, and published author who believes fairness and performance are not opposites but the same equation solved correctly.