ScaleCred, reimagines credit due diligence with an AI-enabled platform. With over six years of experience, our platform is actively utilized by more than 100 organizations, including globally significant banks (G-SIBs) and leading commercial banks. We are passionate about leveraging cutting-edge technology to transform the credit due diligence process. Our commitment to innovation drives us to explore new frontiers and deliver exceptional solutions to our clients. Our Products automate and streamline the credit due diligence AI-powered Spreading - analyze income statement, balance sheet and cash flow data also Automated analysis of accounting restatements & reclassifications. Credit Decisioning - We utilize auto credit decisioning tools, assess the financial health score, perform scenario analysis, and conduct an automated analysis of the company and management commentary Credit Memo - Fully automated Generative AI Credit Memo, It have ability to auto-write executive summary, industry dynamics, borrower health and deal summary. Portfolio Management - A comprehensive portfolio management solution with features such as a custom Early Warning System (EWS) for profitability, liquidity, and solvency, real-time covenant compliance, and a dashboard that displays distress signals for proactive risk management. With ScaleCred, organizations experience 50% to 70% cost savings, making credit assessment more efficient and cost-effective. Additionally, our platform leads to a remarkable 3x to 10x improvement in cycle times, streamlining the decision-making process. Therefore, it increases revenue by 1.3x to 1.5x with new credit applications. Our clients also benefit from enhanced risk control with over 200 financial indicators and improved credit decisioning through over 800 ML models in deployment. And finally, our commitment to excellence ensures that ScaleCred remains a trusted partner for all your credit assessment needs.
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ScaleCred’s AI-Powered Financial Spreading is an industry-leading data marketplace extraction and spreading tool using pixel-based image Machine language. Our platform conducts detailed financial analysis, examining income statements, balance sheets, and cash flow data. It delves into the specifics, offering actionable insights that enable decision-makers to make informed choices. Whether you’re evaluating liquidity, solvency, or profitability, our AI algorithms compute crucial financial ratios and forecast future trends. Our system automatically identifies accounting restatements and reclassifications, saving time and ensuring precision. In a world where accuracy and speed are paramount, AI-Powered Financial Spreading boosts efficiency, lowers costs, and provides pertinent intelligence via an intuitive and interactive dashboard.
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🎉 Reflecting on 2024 & gearing up for an impactful 2025! 🚀 At ScaleCred, we're transforming commercial lending and credit assessment to empower businesses globally! #FintechInnovation #CommercialLending #CreditAssessment #BusinessGrowth #FinancialSolutionsAgustinAgustin LagoJosh Heihn 🥽
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💡 Six Key Underwriting Challenges – Discussed at RMA's Risk Conference 2024 💡 At ScaleCred's sponsored session, 'Insights on Optimizing Commercial Underwriting,' industry leaders shared their perspectives on the most pressing challenges in modern underwriting: 1️⃣ Manual and error-prone workflows slowing decision-making. 2️⃣ Fragmented data scattered across multiple systems, causing inefficiencies. 3️⃣ Slow processing times due to data challenges and resource constraints. 4️⃣ Legacy risk assessment methodologies that lack innovation and agility. 5️⃣ Increasing regulatory demands, including Basel III requirements. 6️⃣ Inefficient portfolio management, impacting overall performance. The session featured insights from: ✅ Humberto Solomon – Head of Product Strategy & Operations, Citibank ✅ Pablo Gonzalez Leon – Chief Risk Officer, BBVA USA ✅ Soner Tunay – Head of Data Analytics, Finance & Risk, Accenture ✅ Vishal Garg – CEO, ScaleCred ✅ Agustin Lago – Moderator, ScaleCred Addressing these challenges can drive significant improvements – some institutions have achieved 30-40% gains in underwriting efficiency and reduced loan processing times from 30 days to under a week! As the commercial lending landscape evolves, combining data, AI, and process automation will be critical to overcoming these hurdles. #UnderwritingChallenges #CommercialLending #RiskManagement #Innovation #RMA2024AgustinAgustin LagoJosh Heihn 🥽
We're excited to kick off another year of RMA’s Annual Risk Management Virtual Conference today! Thank you to our inspiring speakers for sharing their expertise. Your participation has greatly contributed to the success of this conference. For those attending the conference, share your highlights and tag us to join the conversation! If you haven’t registered yet, its not too late to secure your spot: https://lnkd.in/gYT2ZMhe #Annual2024 #RMAConferences #RiskManagement #Networking Jodi Richard Todd Barnhart Lynn Harton Debbie Bianucci Elcio Barcelos Larissa Chaikowsky Tanya Hart Richard Rosenthal Gregory Lyons Victor Calanog PhD CRE FRICS Brian Hughes Richard Landau Justin Windschitl Kathleen Stiebris Isio Nelson Tom Hoscheidt Humberto M. Salomon Soner Tunay Vishal Garg, CFA Agustin Lago Pablo González León Neetu Gupta Lindsey Brown-Acquaye, CRCM, AAP Carol Severyn Michael Hsu Monica Bowe Priscilla Sims Brown Carrie Sheffield Russ Ayres Martim Rocha Hovik Tumasyan, PhD Grace Jackson Smith Brookhart Sherri Rowton Robert Mace Nina Ross Stanley Julien Will Kutteh Jeffrey Taylor Peter Fabbri Mark Zandi Jason Alpert, CRC Hans Helbekkmo
ScaleCred reposted this
Thank you, RMA, for hosting such an incredible event and recognizing the contributions of all the speakers! I'm excited to be part of this year’s Annual Risk Management Virtual Conference. Don’t miss our session, Insights on Optimizing Commercial Underwriting, where we’ll share strategies to enhance efficiency and decision-making. Let’s connect and drive impactful conversations in risk management!
We're excited to kick off another year of RMA’s Annual Risk Management Virtual Conference today! Thank you to our inspiring speakers for sharing their expertise. Your participation has greatly contributed to the success of this conference. For those attending the conference, share your highlights and tag us to join the conversation! If you haven’t registered yet, its not too late to secure your spot: https://lnkd.in/gYT2ZMhe #Annual2024 #RMAConferences #RiskManagement #Networking Jodi Richard Todd Barnhart Lynn Harton Debbie Bianucci Elcio Barcelos Larissa Chaikowsky Tanya Hart Richard Rosenthal Gregory Lyons Victor Calanog PhD CRE FRICS Brian Hughes Richard Landau Justin Windschitl Kathleen Stiebris Isio Nelson Tom Hoscheidt Humberto M. Salomon Soner Tunay Vishal Garg, CFA Agustin Lago Pablo González León Neetu Gupta Lindsey Brown-Acquaye, CRCM, AAP Carol Severyn Michael Hsu Monica Bowe Priscilla Sims Brown Carrie Sheffield Russ Ayres Martim Rocha Hovik Tumasyan, PhD Grace Jackson Smith Brookhart Sherri Rowton Robert Mace Nina Ross Stanley Julien Will Kutteh Jeffrey Taylor Peter Fabbri Mark Zandi Jason Alpert, CRC Hans Helbekkmo
ScaleCred reposted this
🤝 ScaleCred’s Latest Milestone: Partnering with a Leading Consulting Firm 🤝 Partnerships are the foundation of meaningful innovation. At ScaleCred, we believe in the power of collaboration to tackle industry challenges, enhance efficiency, and deliver exceptional results. Our latest partnership with a globally recognized consulting firm is a testament to what can be achieved when expertise and vision come together. Alongside many other valued collaborations, this milestone highlights the transformative potential of working together to drive progress in commercial lending. Key benefits of partnerships: ✅ Boosted efficiency: 70% reduction in underwriting costs ✅ Faster processes: 60% quicker credit memo generation with AI-driven tools ✅ Unmatched accuracy: ML technology with 99.9% precision ✅ Smarter risk management: Early warning systems for portfolio monitoring Together with our partners, we’re addressing fragmented systems, compliance challenges, and inefficiencies to build a more seamless and impactful financial ecosystem. Here's to creating smarter, stronger solutions—together. #Partnerships #Innovation #Collaboration #Fintech #CommercialLending,Agustin LagoJosh Heihn 🥽
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🎯 Join the ScaleCred Leadership Team at RMA’s Annual Risk Management Virtual Conference: 🚀 📌 "Insights on Optimizing Commercial Underwriting" 🗓️ When: Monday, December 9th, 4:00 PM EST 🌟 Don’t miss this chance to transform your lending strategies with expert insights. Meet Our Speakers: Vishal Garg, CFA - CEO Josh Heihn 🥽 - Sales Director Agustin Lago - U.S. Sales Lead 📧 Email: info@scalecred.com 💼 Let’s reshape the future of finance together. #ScaleCred #RiskManagement #FintechInnovation
ScaleCred reposted this
🏅 ScaleCred is honored to be a Gold Sponsor for the RMA Annual Risk Management Conference 2024! 🏅 This flagship event unites industry leaders to share insights and strategies for the future of financial risk management. At ScaleCred, we tackle key industry challenges in commercial underwriting such as inefficient processes, fragmented data, and inadequate risk assessment. We’re excited to join other distinguished sponsors like BCG, Bottomline, Covington, Huron, KPMG, and SAS in supporting this event. Join us at the RMA Conference, December 9 to 12, as we contribute to shaping the future of risk management. #ScaleCred #RMA2024 #RiskManagement #commerciallending #financialspreading #creditriskAgustinAgustin LagoJosh Heihn 🥽ScaleCred
ScaleCred reposted this
🚀 𝐄𝐱𝐜𝐢𝐭𝐢𝐧𝐠 𝐍𝐞𝐰𝐬 𝐚𝐭 𝐒𝐜𝐚𝐥𝐞𝐂𝐫𝐞𝐝! 🚀 I’m delighted to announce that 𝐉𝐨𝐬𝐡 𝐇𝐞𝐢𝐡𝐧 has joined 𝐒𝐜𝐚𝐥𝐞𝐂𝐫𝐞𝐝 as our new 𝐒𝐚𝐥𝐞𝐬 𝐃𝐢𝐫𝐞𝐜𝐭𝐨𝐫! With 𝘰𝘷𝘦𝘳 20 𝘺𝘦𝘢𝘳𝘴 of sales and banking expertise, Josh brings immense value as we revolutionize commercial lending through cutting-edge automated insights. Josh’s impressive career includes pivotal roles: 🔹 Founding Commercial Banker for 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐭𝐡𝐞 𝐖𝐞𝐬𝐭 in Phoenix, 🔹 Leading a business banking team at 𝐔.𝐒. 𝐁𝐚𝐧𝐤, 🔹 Managing a credit underwriting team at 𝐀𝐥𝐥𝐢𝐚𝐧𝐜𝐞 𝐀𝐬𝐬𝐨𝐜𝐢𝐚𝐭𝐢𝐨𝐧 𝐁𝐚𝐧𝐤. His rich experience covers 𝘊&𝘐, 𝘚𝘉𝘈, 𝘔𝘢𝘯𝘶𝘧𝘢𝘤𝘵𝘶𝘳𝘪𝘯𝘨, 𝘏𝘖𝘈, 𝘢𝘯𝘥 𝘐𝘯𝘷𝘦𝘴𝘵𝘰𝘳 𝘙𝘦𝘢𝘭 𝘌𝘴𝘵𝘢𝘵𝘦, making him well-equipped to navigate the complexities of underwriting and credit risk management. A recognized top producer, Josh’s strategic insights will empower our team and elevate our clients’ financial decision-making. Beyond the office, Josh is a certified 𝐏𝐀𝐃𝐈 𝐚𝐧𝐝 𝐒𝐃𝐈 𝐒𝐜𝐮𝐛𝐚 𝐈𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐨𝐫 who loves exploring new cities and giving back to the community. He actively supports nonprofits like 𝐂𝐚𝐭𝐡𝐨𝐥𝐢𝐜 𝐄𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐀𝐫𝐢𝐳𝐨𝐧𝐚 and 𝐀𝐫𝐢𝐳𝐨𝐧𝐚 𝐓𝐮𝐢𝐭𝐢𝐨𝐧, driving educational opportunities for underserved children. Join me in giving Josh a warm welcome to the ScaleCred family! We can’t wait to see the remarkable contributions he’ll make. #Welcome #TeamGrowth #Leadership #CommercialLending #SalesDirector #ScaleCred #CommunityImpactJosh Heihn 🥽Agustin LagoScaleCred
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Sales Director at ScaleCred | Financial Analytics & Commercial Lending Solutions | PADI & SDI Scuba Instructor
3 things I learned in my first 3 days with ScaleCred: 1. Artificial Intelligence (AI) in the financial services industry is AWESOME and I am super excited to learn more about it! 2. My passion for sales never stopped while I was a Scuba Instructor. In fact, the time spent gave me perspective and a new sales drive. 3. I wish the technology from ScaleCred was available to me during my time in commercial banking because I would have booked way more loans. Are you ready to step up your credit game? Schedule a time to chat with me. #scalecred #ai #artificialintelligence #commerciallending #financialanalytics #financialspreading #portfoliomanagement #creditmemo #creditrisk
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Happy Diwali to all celebrating! 🌟 As we light up our homes and hearts, Diwali reminds us of the power of light over darkness and the strength of community and resilience. It’s a time to reflect on the year’s achievements and challenges, to appreciate those around us, and to look forward to new opportunities. Wishing everyone a prosperous year ahead, filled with success, health, and happiness. Let’s continue to bring light to the world in our work, our lives, and our relationships. Happy Diwali from all of us at ScaleCred! 🪔 #Diwali #FestivalOfLights #Gratitude #ScaleCred