Emerging markets have millions trapped without credit due to expensive or unavailable loans. Lendsum provides an affordable lending platform using alternative data and machine learning to assess risk, define loan terms, and manage loans. The platform has operated successfully in Mexico for 3 years and expands through partnerships, with a proven track record of transferring processes and algorithms across products and geographies to deliver accessible credit.

1. Emerging Markets are starved for credit
In Emerging Markets, millions of hard-working people are
trapped in a world with no credit or prohibitively
expensive credit. Lenders are technologically ill-equipped
to tackle alternative credit data, to handle risk efficiently
and to keep loan management/service costs down,
making their loans non-inclusive and expensive.
What if you could provide affordable, recurrent and
accessible credit to this demographic?
Team & Advisors A Lending SAAS built around data-driven flexible processes
LEADERSHIP
Alex Thiriez – Founder & CEO
• Morgan Stanley: Derivatives &
Credit Structuring
• BLiNQ Media: Marketing
Portfolio Optimization
• Brown University, MIT, INSEAD
Erno Palla – Founder & CFO
• Citi: Structure Credit Trading
• DB and Morgan Stanley:
Derivatives & Credit Structuring
• Brown University
Carlos Saez - CTO
• CTO PayVision
• Open Sky Data System
• Universidad del Pais Vasco
Ben Colson - Chief Data Officer
• San Diego Gas and Electric
• Independa Inc.
• UC San Diego
ADVISERS
• Scott Moore: CRO & Co-
Founder Zwoop Ltd
• Sam Hodges: CEO Americas
& Co-Founder Funding Circle
• Mario Covo: Board Member
Bladex - Founder Finaccess
• Carlos Cabañero: Co-Founder
& CTO Shuttle Cloud
• David Collins: Corporate &
Finance Partner at a leading
global law firm
• Claudia Luna: General
Counsel: Grupo Erdez
BACKGROUNDS
Much more than a credit scoring service - Lendsum is a complete lending platform • Fully-
online and supporting ‘zero-touch’ lending • Deep machine learning applied to all process
steps • Algorithms correlate vast data sets to quantify risk, define loan parameters, and
manage performance • Real-time modification to credit process and parameters •
Simultaneous support for multiple products (unsecured, consumer goods, payroll, bill, auto…)
Proven Track Record & Expansion Through Partnerships
3 years of operations in Mexico (kekipo.com.mx) • Philippines launch Q4 2018 • Focused
expansion strategy through partnerships – 2 x Mexico & 1 x Philippines active • Further
partnership development underway - Colombia, India, Indonesia, Sri-Lanka, and others
We can deliver any combination of modules in our software
Much More than Software
As a true partner, we go beyond just providing software, offering managed services in:
OPERATIONS SETUP THE CREDIT PROCESS DATA & RISK MANAGEMENT
- Product mix and timing
- Launch strategy
- Credit contracts
- Initial collections strategy
- Operations team build
- Payment network
selection
Using extensive credit tools
and leveraging advantages
embedded in the partner’s
existing operations, we tailor
dynamic credit processes that
adapt to product mix, risk
metrics and fraud
A dedicated Credit and Data
Team covers each partner,
ensuring credit algorithms, risk
management and credit
processes align with the
partner’s long-term growth
strategy
Transferability Across Products and Geographies
• Credit Processes: Core lending processes and intelligence architecture remain constant
• Algorithms: Data structuring engine and learning mechanisms are universal
• Metrics: >50% of an algorithm’s decisioning parameters directly transfer
• Flexibility: we can deliver a new product/geography in under 4 weeks!
Lendsum is an intelligent and adaptive platform that delivers affordable,
recurrent and accessible credit in Emerging Markets
Contact Us info@lendsum.com +1 (347) 6050188
Source: IMF & World Bank (2014)
USA: 49%
Mexico: 19%
Colombia: 18%
Brazil: 39%
Nigeria: 7%
Germany: 61%
Philippines 17%
Indonesia: 8%
Credit to GDP – Non-private Sector/Non-government