Every model your business needs
Consilience builds the core models lenders rely on: credit underwriting that tightens approval-loss tradeoffs, fraud detection that cuts false positives, loan pricing that sharpens rate-to-risk alignment, model refresh in days instead of months, thin-file scoring for new-to-credit customers, and loss forecasting with tighter confidence bands. One platform for every model your risk team needs.
Credit Underwriting
Most common use caseApprove more. Lose less.
Your current model leaves money on the table. Consilience discovers credit signals hidden in bureau data, payment histories, and behavioral patterns — pushing your approval-to-loss frontier up and to the right.
Fraud Detection
Cut false positives without sacrificing approvals.
Fraud patterns evolve faster than manual rule updates. Consilience builds signal models that adapt — separating genuine applicants from fraud with sharper precision than rule-based systems allow.
Loan Pricing
Price risk accurately. Maximize margin.
Our team built RL-driven loan pricing systems at leading fintechs. Consilience brings that expertise to build pricing models that tighten rate-to-risk alignment — reducing adverse selection across your book.
Before
18.5%
APR — everyone
One rate, all risk tiers
Consilience
Model Refresh
Keep models current without the manual slog.
Borrower behavior changes. Economic conditions shift. Models degrade. Consilience makes refresh fast — plug in new performance data and get a retrained, improved model without months of manual work.
New-to-Credit Customers
Expand your market without expanding risk.
Thin-file applicants are underserved because traditional bureau signals don't exist. We discover alternative predictors that score previously unscorable customers — expanding addressable market without increasing loss rates.
Traditional
Consilience
Same loss rate · More market coverage
Loss Forecasting
Hit quarterly targets. Reliably.
Portfolio-level loss models with leading indicators give your finance and credit teams the runway to act before losses materialize — with tighter confidence bands than generic macro models.
Not sure which model to start with?
We’ll help you prioritize. Book a call and tell us about your portfolio — we’ll recommend where Consilience delivers the most immediate impact.
Talk to us