Financial Data Science Experts.
Providing data, engineering, and machine learning development services from downtown Bethesda, MD.
Start a project Learn more
Providing data, engineering, and machine learning development services from downtown Bethesda, MD.
Start a project Learn more
Learn how we have doubled return-on-assets for our lending clients.
Learn how financial machine learning can improve your investing approach.
Financial machine learning. Machine-learned investing and lending models outperform competitors under a variety of market conditions. Our clients know. Read more.
Data-driven investment valuation. Investment firms can move away from scoring models towards data-driven investment valuation models. Read more.
Portfolio visualization. Cutting-edge trusts and funds can use elegantly designed portfolio visualization tools to communicate the value of their expertise to existing and potential clients. Read more.
Actuarial science. Probabilistic models of financial behavior are growing necessarily more complex given newly available data. Read more.
Fraud detection. Businesses are more capable than ever of staying ahead of criminal elements by analyzing complex networks of data. Read more.
Risk management. As investor demand for exotic assets increases, managers need increasingly complex monitoring and analysis tools to measure financial risk. Read more.
| John Smith's Loan | |
|---|---|
| Credit score | 580 |
| Debt | $5K |
| Income | $80K |
| Type | Personal |
| Credit Score | Effect |
|---|---|
| < 550 | -28% |
| 550 - 650 | -11% |
| 650 - 750 | +9% |
| 750+ | +17% |
| Debt to Income Ratio | Effect |
|---|---|
| < 10% | +13% |
| 10% - 30% | +3% |
| 30% - 50% | -4% |
| > 50% | -16% |
| Loan Type | Effect |
|---|---|
| Home | -3% |
| Auto | +0% |
| Personal | +2% |
| Business | +7% |
| John Smith's Loan | |
|---|---|
| Payments | $12K |
| Repayment % | 71% |
| Gross profit | $4K |
| Net profit | $1K |
| New deal arrives |
John Smith's Loan | |
|---|---|---|
| Credit score | 580 | |
| Debt | $5K | |
| Income | $80K | |
| Type | Personal | |
| Compute effects #1 |
Credit Score | Effect |
| < 550 | -28% | |
| 550 - 650 | -11% | |
| 650 - 750 | +9% | |
| 750+ | +17% | |
| Compute effects #2 |
Income Ratio | Effect |
| < 10% | +13% | |
| 10% - 30% | +3% | |
| 30% - 50% | -4% | |
| > 50% | -16% | |
| Compute effects #3 |
Loan Type | Effect |
| Home | -3% | |
| Auto | +0% | |
| Personal | +2% | |
| Business | +7% | |
| Project cash flow |
John Smith's Loan | |
| Payments | $12K | |
| Repayment % | 71% | |
| Gross profit | $4K | |
| Net profit | $1K | |
Our mix of experience working with investors, lenders, creditors, financiers, servicers, and fintech leaders gives us the edge.
We serve private market investors, lenders, and fintech companies, as well as public market investors.
We provide all the resources necessary to both plan and execute financial data science projects.
Financial machine learning research is mired by data snooping and data leakage. We follow strict rules to generate valid profit-maximizing models.
Data leakage in financial time series modeling can happen both across the parameter space and the time domain if not carefully executed.
"All models are wrong, but some are useful." — George Box, statistician who studied time series and experimental design.
Our proprietary development stack helps us build ML-powered web applications quickly and securely.
Our AWS-certified professionals have your web application under control. We'll make your solution run like clockwork, in your cloud or ours.
Rapid development means more time spent doing data science and less time spent managing software.