Credit decisions, priced and proven against the data.
InSyte AI helps banks, credit unions, fintech lenders and private credit investors underwrite, price and finance consumer credit. Our work is led by a three-time Chief Credit Officer who has sat on both sides of the bank–fintech table.
Who we serve
The same consumer loan looks different to the bank that funds it, the fintech that originates it and the fund that buys it. Our experience spans each side.
Banks
Decide where consumer credit fits on the balance sheet, and whether to build, partner or buy.
For banksCredit unions
Know what you're buying when you fund loans originated by fintech partners.
For credit unionsFintech lenders
Grow originations without losing control of losses, fraud or funding.
For fintech lendersPrivate credit and ABF
Underwrite the originator, not just the loans.
For private credit and ABFWhat we help with
12 use cases across two practices. Most engagements combine a few of them.
Lending and credit risk
Decisions about who you lend to, at what price, and what happens after the loan is booked.
Capital markets and partnerships
Deals that move loans, funding and risk between originators, banks and investors.
Need a Chief Credit Officer, but not full time?
Our founder has held the role three times and led credit, fraud, pricing and analytics teams of 15 to 40+ people. As your fractional or interim CCO, he owns credit policy, reports to your board and funding partners, and builds the team that takes over.
Impact
Results from our founder's years running credit inside banks and fintech lenders.
Rebuilding credit, pricing and modeling to support 4x origination growth
A BlackRock- and TruStage-backed personal lender with $6B+ originated since inception, funded through credit union and institutional partners, needed credit infrastructure built for growth and investor scrutiny.
Tripling profit through fraud automation, acquisition economics and cheaper funding
A mission-driven lender serving more than a million underserved customers needed to scale profitably while handling a million applications a month.
Restructuring bank partnerships and building a valuation business for PE buyers
A Carlyle-backed student lending platform needed better unit economics from its bank partnerships, and saw an opening as banks sold student loan portfolios to private equity.
Making the case for a bank's push into unsecured lending
A super-regional bank weighing more unsecured consumer lending needed a quantitative answer on through-the-cycle returns, and a way to grow quickly.
Latest analysis
We work backwards from public data to what a deal, a mark or a reserve actually implies, using research tools that track consumer ABS trusts, BDC marks, bank filings and changes in lenders' published credit criteria.
What SoFi's fair-value marks say about prime personal loan pricing
SoFi carries its personal loan book at fair value, one of the few public windows into how prime unsecured paper is priced. Q3 shows strong growth, lower losses, and a discount rate that rose less than rates did.
LightStream to Carlyle: working backwards to the deal math
$7.7B of prime personal loans sold for roughly 93.5 cents. Using only public disclosures, here is what the price implies about losses, duration and Carlyle's return, and why Truist was willing to take it.
A mark isn't a fact: what BDC loan marks reveal when they disagree
The same syndicated loan often sits on a dozen BDC balance sheets. If value were a fact, every lender would mark it at the same price. They don't, and how the marks converge carries information.
Have a credit question with money behind it?
A portfolio to value, a credit box to rethink, a funding partner to convince. Send a short note and we'll reply within one business day.
Or connect on LinkedIn.