Our Mission:
To revolutionise risk assessment in consumer credit, empowering companies to make faster, more accurate lending decisions by leveraging a wider range of data, updated frequently. Our approach will increase the volume of lending while reducing arrears and loss rates, making credit more accessible and safer for businesses and consumers alike.
The Problem:
The current risk assessment landscape is hindered by an overly cautious approach to regulation, leading to a lack of innovation and slower adoption of advanced analytical/modelling techniques. By increasing education in the industry, providing external counsel and ultimately better tooling; we aim to derisk these concerns and foster an environment where innovation can thrive.
Our Vision:
We believe that by starting with education and building up from there, we can create an entire ecosystem around risk assessment and credit policy design. As our products evolve, we’ll create a suite of services that not only improve credit decision-making but also create a lasting impact on how consumer credit is managed across the industry. We aim to drive innovation, foster more responsible lending, and ultimately, help institutions offer better, safer credit to their customers.
Passionate about Risk
Luke Nisbet
Luke is an expert in credit risk management with 10 years of experience, specialising in advanced machine learning solutions across diverse financial products and organisational contexts.
With extensive experience spanning global systemically important banks like Royal Bank of Scotland, challenger banks such as Sainsbury’s Bank, and innovative fintech start-ups like Paidy (PayPal), Luke has developed sophisticated strategies for credit cards, personal loans, mortgages, and Buy Now, Later Pay (BNPL) products.
His career encompasses the full spectrum of credit risk disciplines, including strategy development, advanced model design, regulatory compliance, IFRS9 provisioning, product pricing, and proposition development. Working across UK, EU, and Japanese regulatory environments, Luke has consistently demonstrated an ability to navigate complex financial landscapes.
Luke has unique experience in high-transformation scenarios, including leading technical teams during corporate acquisitions and strategic carve-outs. His technical expertise in machine learning, combined with deep financial services knowledge, enables him to deliver innovative solutions that drive significant business performance improvements.
A Master’s graduate in Computing for Financial Markets, Luke continues to be at the forefront of credit risk innovation, bridging advanced analytical techniques with strategic business insights.
