We are
Scienaptic
Founded in 2014, Scienaptic AI was built with a mission to drive financial inclusion at scale through AI-driven credit decisioning.
Our platform encapsulates over 200 years of combined credit risk expertise and a decade of technological innovation, integrating diverse data sources, advanced machine learning algorithms, and comprehensive risk and fair lending monitoring processes.
We are a CUSO driven by a coalition of visionary credit unions
Scienaptic CUSO secures strategic investment from credit union clients
Partnering with Scienaptic CUSO allows us to harness the precision and speed of AI to deliver personalized loan solutions, improve credit access, and drive operational efficiency.
Renee DeMarco
President and CEO
People Driven Credit Union
Chad Wilcox
Senior Vice President of Lending
Credit Union of Colorado
Brett Lee
Chief Retail Officer
CoVantage Credit Union
Terry Katzur
CEO
ELGA Credit Union
Benjamin Denay
President & CEO
Wildfire Credit Union
Andy Kempf
CEO
4Front Credit Union
Deep credit experience
Leaders who can help create balanced choices for CROs.
Pankaj Kulshreshtha
CEO
Built & grew 6000+ Analytics unit as its CEO at Genpact; CRO for GE Money UK; Ph.D. in Decision Sciences
Patrick McElhenie
Chief Growth Officer
30+ Years in Financial Technology, Growth, Customer Relationship. CUNA Mutual Group, Trellance
Eric Steinhoff
Client Impact
21 years of experience in credit risk analytics and lending strategies; Led risk functions at ScaleFactor, Capital One and Standard Bank
Vinay Bhaskar
AI / Risk Innovation
17 years of financial services with diverse exposure to Credit Risk Management, Modeling and Stress Testing functions; GE, HSBC
Joydip Gupta
Business Leader - APAC
20+ years in Management consulting and P&L leadership roles in USA, Singapore and India; McKinsey, Dell, Ed-tech start up
Samantha Hubbard
Business Development
20+ years in Leadership, Business Development, Financial Services, Banking, and Public Speaking. Experian, Partners Federal Credit Union, State Farm®
Gregory Bishop
Business Development
8+ Years in Business Development, Financial Services. Wolters Kluwer, eOriginal
Abhishek Sharma
Engineering
20+ years in engineering and product management. Techzaar, WealthEngine, Quintype, Goldman Sachs, IBM
Chandan Pal
Marketing
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
Our investors and advisors
Pramod Bhasin
The founder of Genpact, pioneer of the BPM industry; seasoned financial services leader; active investor and mentor.
Ray Duggins
Global CRO for GE Money, Standard Chartered; Three decades of leadership in banks across the world.
Francisco D'Souza
Executive vice chairman & former CEO of Cognizant. Taking over the reigns at Cognizant, he transformed it into a fortune 200 company with $16B in revenue.
Michael Heller
Operating Partner at MissionOG and venture partner with Oak Investment Partners. Accomplished entrepreneur with 30+ years of experience within payments and banking; Co-founder and president of Argus Information and Advisory Services.
Kevin Oden
Kevin is a risk stalwart, with over 30+ years of experience spanning across risk and compliance. Kevin was the Head of Operational Risk and Compliance of Wells Fargo.
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.
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 the platform, 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.