Scienaptic Systems Inc.

224W, 35th Street, Suite 800, New York, NY 10001 Ph: +1 212 244 4030

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Our Mission: Increase credit availability.

Credit administration is handicapped by old credit underwriting technology. We are on a mission to change that. Listen to our CEO, Pankaj Kulshreshtha talk about this change. 

ai ml artificial intelligence machine learning credit underwriting platform software future scoring score better NN neural networks regression approval forecasting collection fraud

credit line expansion
AI ML credit underwriting
Future of Credit underwriting
Ai ml credit platform
artificial intelligence credit
artificial intelligence credit platform
machine learning credit platform
machine learning underwriting platform
ai underwriting platform
ai decisioning platform
artificial intelligence decisioning platform
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machine learning decisioning platform
ml decisioning platform
explainable neural network
explainable neural network credit platform
underwrite.ai

credit underwriting
loan underwriting ai
ai loan underwriting
ai credit scoring
automated underwriting
credit management
credit risk analysis
credit risk assessment
credit risk control
credit risk management
credit risk modelling
credit risk monitor
credit score companies
credit underwriting models
internal credit risk models
loan application underwriting process
loan underwriting

predictive underwriting
risk models for banks
trends in credit underwriting
underwriting
underwriting process
underwriting risk analysis
neural network credit models
credit line increase
Pankaj Kulshreshtha
Kevin Oden
Ray Duggins
Subbu Venkataramanan
Pankaj Jain
Douglas Merrill
Zest finance

ai ml artificial intelligence machine learning credit underwriting platform software future scoring score better NN neural networks regression approval forecasting collection fraud

credit line expansion
AI ML credit underwriting
Future of Credit underwriting
Ai ml credit platform
artificial intelligence credit
artificial intelligence credit platform
machine learning credit platform
machine learning underwriting platform
ai underwriting platform
ai decisioning platform
artificial intelligence decisioning platform
credit underwriting platform
machine learning decisioning platform
ml decisioning platform
explainable neural network
explainable neural network credit platform
underwrite.ai

credit underwriting
loan underwriting ai
ai loan underwriting
ai credit scoring
automated underwriting
credit management
credit risk analysis
credit risk assessment
credit risk control
credit risk management
credit risk modelling
credit risk monitor
credit score companies
credit underwriting models
internal credit risk models
loan application underwriting process
loan underwriting

predictive underwriting
risk models for banks
trends in credit underwriting
underwriting
underwriting process
underwriting risk analysis
neural network credit models
credit line increase
Pankaj Kulshreshtha
Kevin Oden
Ray Duggins
Subbu Venkataramanan
Pankaj Jain
Douglas Merrill
Zest finance

Credit instruments need to change. NOW!

Prevailing credit decisioning instruments (data, credit algorithms and underwriting technology) are dated. Banks experience high credit loss rates while customers get poor experience. These are classic symptoms of blunt credit instruments. General hype about new data sources and AI for credit, we believe, is distracting the banks and wouldn’t solve the real issues in credit underwriting or decisioning.

Financial institutions looking to expand their addressable market are engaging with Ether, which offers a smart suite of AI underwriting tools to better identify qualified prospects, flag high-risk prospects, and offer a more complete risk assessment. This approach allows financial institutions to attract prospects that were previously off the map and underwrite profitably for a previously underserved market.

Deep credit experience.

credit line expansion
AI ML credit underwriting
Future of Credit underwriting
Ai ml credit platform
artificial intelligence credit
artificial intelligence credit platform
machine learning credit platform
machine learning underwriting platform
ai underwriting platform
ai decisioning platform
artificial intelligence decisioning platform
credit underwriting platform
machine learning decisioning platform

 


ml decisioning platform
explainable neural network
explainable neural network credit platform
underwrite.ai
credit underwriting
loan underwriting ai
ai loan underwriting
ai credit scoring
automated underwriting
credit management
credit risk analysis
credit risk assessment
credit risk control
credit risk management

edit risk modelling
credit risk monitor
credit score companies
credit underwriting models
internal credit risk models
loan application underwriting process
loan underwriting
predictive underwriting
risk models for banks
trends in credit underwriting
underwriting
underwriting process
underwriting risk analysis
neural network credit models
credit line increase

 

ai ml artificial intelligence machine learning credit underwriting platform software future scoring score better NN neural networks regression approval forecasting collection fraud

Leaders who can help create balanced choices for CROs.

credit line expansion
AI ML credit underwriting
Future of Credit underwriting
Ai ml credit platform
artificial intelligence credit
artificial intelligence credit platform
machine learning credit platform
machine learning underwriting platform
ai underwriting platform
ai decisioning platform
artificial intelligence decisioning platform
credit underwriting platform
machine learning decisioning platform
ml decisioning platform
explainable neural network
explainable neural network credit platform
underwrite.ai

credit underwriting
loan underwriting ai
ai loan underwriting
ai credit scoring
automated underwriting
credit management
credit risk analysis
credit risk assessment
credit risk control
credit risk management
credit risk modelling
credit risk monitor
credit score companies
credit underwriting models
internal credit risk models
loan application underwriting process
loan underwriting

predictive underwriting
risk models for banks
trends in credit underwriting
underwriting
underwriting process
underwriting risk analysis
neural network credit models
credit line increase
Pankaj Kulshreshtha
Kevin Oden
Ray Duggins
Subbu Venkataramanan
Pankaj Jain
Douglas Merrill
Zest finance

credit line expansion
AI ML credit underwriting
Future of Credit underwriting
Ai ml credit platform
artificial intelligence credit
artificial intelligence credit platform
machine learning credit platform
machine learning underwriting platform
ai underwriting platform
ai decisioning platform
artificial intelligence decisioning platform
credit underwriting platform
machine learning decisioning platform
ml decisioning platform
explainable neural network
explainable neural network credit platform
underwrite.ai

credit underwriting
loan underwriting ai
ai loan underwriting
ai credit scoring
automated underwriting
credit management
credit risk analysis
credit risk assessment
credit risk control
credit risk management
credit risk modelling
credit risk monitor
credit score companies
credit underwriting models
internal credit risk models
loan application underwriting process
loan underwriting

predictive underwriting
risk models for banks
trends in credit underwriting
underwriting
underwriting process
underwriting risk analysis
neural network credit models
credit line increase
Pankaj Kulshreshtha
Kevin Oden
Ray Duggins
Subbu Venkataramanan
Pankaj Jain
Douglas Merrill
Zest finance

Subbu Venkataramanan

Subbu Venkataramanan

Chief Innovation Officer

18+ years experience driving sophisticated analytics in  financial services globally; GE, Standard Bank, Morgan Stanley, Discover

Joydip Gupta

Joydip Gupta

Business Leader

20+ years in Management consulting and P&L leadership roles in USA, Singapore and India; McKinsey, Dell, Ed-tech start up

Chadan Pal

Chandan Pal

Data Storyteller

12 years of experience in design thinking, solutions, marketing, presales and UX working for Sify, TechM and Genpact. B.E, Computer Science and MBA from IIM Indore

Vinay Bhaskar

Vinay Bhaskar

Credit Risk Solutions

17 years of financial services with diverse exposure to Credit Risk Management, Modeling and Stress Testing functions; GE, HSBC

Vijaya Kumar

Vijaya Kumar

Credit Risk Solutions

16+ years of experience in the retail credit risk, specializing in consumer finance; United Overseas Bank, Standard Chartered, HSBC

Gowrav Shekar

Gowrav Shekar

Engineering

10+ years of experience in big data technologies, embedded systems, web & mobile applications; founded and grew two tech companies 

Pankaj Kulshreshtha

Pankaj Kulshreshtha

CEO

Built & grew 6000+ Analytics unit as its CEO at Genpact; CRO for GE Money UK; Ph.D. in Decision Sciences

Pankaj Jain

Pankaj Jain

Partner and President

20+ years of global entrepreneurial experience as business and commercial leader in analytics & IT at CRISIL, Genpact, Oracle

Our Advisors

Pramod Bhasin

Pramod Bhasin

The founder of Genpact, pioneer of the BPM industry; seasoned financial services leader; active investor and mentor

Ray Duggins

Ray Duggins

Global CRO for GE Money, Standard Chartered; Three decades of leadership in banks across the world

Kevin Oden

Kevin Oden

Kevin is a risk stalwart, with over 30+ years of experience spanning across risk and compliance. Kevin was the CRO of Wells Fargo

Raghunandan G

Raghunandan G

Founder & CEO of TaxiForSure, a taxi aggregator acquired by Ola Cabs. Building tech ventures, active mentor and investor.

Francisco D'Souza

Executive vice chairman & ex-CEO of Cognizant. Taking over the reigns at Cognizant, he transformed it into a fortune 200 company with $16B in revenue