Customers

Enhance Decision-Making With a Fully Integrated FP&A Engine Connecting Real-Time Data From Your Accounting System, Loan Data Tape, and Liability Structure.

Next-Gen FP&A with Embedded Optimization and Recommendation Engine

Financial Institutions

Setting Up With Vector Is Easy and Requires No Effort From Your Engineering or Finance Team.

Consumer Lending
Microfinance Lending
Buy Now Pay Later (BNPL)
Provides Personal Loans to Individuals for Various Personal Expenses, Such as Home Improvements or Debt Consolidation. These Lenders Focus on Offering Unsecured or Secured Loans Based on the Borrower’s Creditworthiness. Vector ML Analytics Debt Capital Markets, FP&A, Credit Risk, and Treasury ALM Features Deliver Essential Insights and Streamline Processes. These Tools Enhance Capital Management by Providing Accurate Liquidity Forecasts and Profitability Planning, Ensuring Lenders Can Make Informed Decisions and Maintain Financial Health.
Auto Finance
Peer-to-Peer Lending
Student Lending
Provides Loans for Purchasing New or Used Vehicles, Supporting Consumer Mobility and Dealership Sales. Auto Finance Companies Offer Various Financing Options, Including Loans and Leases, Often Secured by the Vehicle Itself. Vector ML Analytics’ Tools for FP&A, Debt Capital Markets Automation, Credit Risk, and Treasury ALM Yield Significant Insights That Enhance Operational Efficiency. Our Platform Includes Swap Modeling for Effective ALM, Improving Capital Management, Liquidity Forecasting, and Profitability Planning. This Enables Lenders to Better Serve Their Customers While Maintaining a Robust Financial Position.
Healthcare Lending
PayDay Lending
POS Lending
Provides Loans for Medical Expenses, Enabling Patients to Afford Necessary Treatments and Procedures. Healthcare Lenders Offer Financing Solutions for Elective Surgeries, Medical Treatments, and Healthcare Services. Vector ML Analytics Offers Advanced Debt Capital Markets, FP&A, Credit Risk, and Treasury ALM Capabilities, Delivering Crucial Insights and Improving Workflows. These Features Enhance Capital Management, Liquidity Planning, and Profitability Assessment, Ensuring Healthcare Lenders Can Offer Essential Financing While Maintaining Financial Stability.
Mortgage Lending
Commercial Lending
Merchant Cash Advance
Provides Long-Term Loans for Purchasing Homes, Helping Individuals and Families Achieve Homeownership. Mortgage Lenders Offer Various Financing Options, Including Fixed-Rate and Adjustable-Rate Mortgages. Vector ML Analytics' SaaS Platform Offers Advanced FP&A, Debt Capital Markets, Credit Risk, and Treasury ALM Capabilities, Providing Crucial Insights That Optimize Processes. By Enhancing Capital Management, Liquidity, and Profitability Strategies, Mortgage Lenders Can Effectively Manage Risks, Including Interest Rate Mismatches and Prepayments. This Ensures Their Lending Practices Are Sustainable and Beneficial for Both the Institution and Borrowers.
Factoring
Leasing
Trade Finance
Advances Funds to Businesses Based on Their Outstanding Invoices, Improving Cash Flow and Liquidity. Factoring Companies Purchase Accounts Receivable at a Discount, Providing Immediate Cash to Businesses. Vector ML Analytics Offers Advanced FP&A, Debt Capital Markets, Credit Risk, and Treasury ALM Capabilities, Delivering Valuable Insights That Refine Risk Management Processes. By Supporting Better Capital Management, Liquidity Assessment, and Profitability Strategies, These Tools Help Factoring Companies Effectively Mitigate Risks and Ensure They Can Reliably Support Their Clients' Cash Flow Needs.
Working Capital Finance
Banks
Credit Unions
Provides Loans to Businesses to Manage Their Day-to-Day Operations and Maintain Liquidity. Working Capital Finance Companies Offer Products Such as Revolving Credit Lines, Term Loans, and Invoice Financing to Support Business Operations. Vector ML Delivers Advanced FP&A, Debt Capital Markets, Credit Risk, and Treasury ALM Functionalities, Providing Key Insights That Optimize Workflows. By Supporting Better Capital Management, Liquidity Forecasting, and Profitability Planning, These Tools Help Working Capital Lenders Meet Their Clients' Needs While Effectively Managing Risks.
Mortgage Companies
Trusts
Merchant Lending
Specialize in Originating and Servicing Mortgage Loans for Residential and Commercial Properties. Mortgage Companies Offer a Variety of Home Loan Products, Including Fixed-Rate and Adjustable-Rate Mortgages. Vector ML Analytics' Tools for FP&A, Debt Capital Markets, Credit Risk, and Treasury ALM Provide Valuable Insights That Streamline Workflows. These Capabilities Include Advanced Interest Rate Risk Management and Comprehensive Regulatory Reporting, Supporting Better Capital Management, Liquidity Planning, and Profitability Assessment. This Helps Mortgage Companies Manage Their Loan Portfolios Sustainably and Effectively.

Investors

Setting Up With Vector Is Easy and Requires No Effort From Your Engineering or Finance Team.

Lenders
Microfinance Lending
Buy Now Pay Later (BNPL)
Provides Personal Loans to Individuals for Various Personal Expenses, Such as Home Improvements or Debt Consolidation. These Lenders Focus on Offering Unsecured or Secured Loans Based on the Borrower’s Creditworthiness. Vector ML Analytics Debt Capital Markets, FP&A, Credit Risk, and Treasury ALM Features Deliver Essential Insights and Streamline Processes. These Tools Enhance Capital Management by Providing Accurate Liquidity Forecasts and Profitability Planning, Ensuring Lenders Can Make Informed Decisions and Maintain Financial Health.
Auto Finance
Peer-to-Peer Lending
Student Lending
Provides Loans for Purchasing New or Used Vehicles, Supporting Consumer Mobility and Dealership Sales. Auto Finance Companies Offer Various Financing Options, Including Loans and Leases, Often Secured by the Vehicle Itself. Vector ML Analytics’ Tools for FP&A, Debt Capital Markets Automation, Credit Risk, and Treasury ALM Yield Significant Insights That Enhance Operational Efficiency. Our Platform Includes Swap Modeling for Effective ALM, Improving Capital Management, Liquidity Forecasting, and Profitability Planning. This Enables Lenders to Better Serve Their Customers While Maintaining a Robust Financial Position.

Clients & Testimonials

Executives and Analysts at Leading Banks and Lending Institutions Trust Vector ML Analytics.

Partnering with Vector ML Analytics has transformed our asset and liability management, offering advanced insights and forecasting for our loan portfolio. Their customized cash flow engine and in-depth analysis have greatly improved our decision-making capabilities. Their automation of warehouse and securitization reporting has also enhanced our operational efficiency. Vector ML's innovative solutions have significantly contributed to our strategic planning and financial performance. I strongly endorse them for any financial institution aiming to upgrade their portfolio management and reporting systems.

Siddharth Kakkar SVP
Finance Nuula

Partnering with Vector ML Analytics has revolutionized our warehouse and securitization reporting. Their custom cash flow engine and analysis have boosted our financial planning, profitability, and capital management. Vector ML's automation has streamlined our operations and improved our decision-making. I highly recommend them for any financial institution seeking to enhance their portfolio management and reporting.

Salvatore Tirabassi
CFO ProAnalytics

Vector ML's FP&A tool transforms banking by enabling detailed analysis of loans and deposits at the individual level. With behavioral assumptions, banks can automate models to adjust strategies based on customer behavior, leading to more accurate cash flow forecasts, better risk management, and smarter product pricing decisions, driving growth in a dynamic financial landscape.

Tier 1 Institutional Bank

Vector ML transformed our Debt Capital Markets strategy by seamlessly linking FP&A with borrowing base optimization. With real-time insights and granular data, we adjusted borrowing strategies, optimized capital deployment, and improved risk management—driving growth and efficiency in a competitive market.

Debt Consolidation Lender
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Publications

Stay Informed With Our Latest
Research and Articles.

Machine Learning Applications in Lending

As of 2020, the financial sector debt reached $66 trillion equal to 25% of the global debt. As the world gears up to fight the pandemic, the need to precisely analyze credit risk and price...

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Automated Machine Learning

AutoML is the automation of ML algorithms and the structured design process of a defined model. It provides predesigned systematically structured data analysis tools that help banks...

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Buy Now Pay Later

Buy Now, Pay Later (BNPL) offers consumers the ability to purchase immediately and pay over time, rapidly evolving from simple 'Pay-in-4' plans to diverse financial models and integrated apps. The sector, primarily funded by merchant fees and occasionally featuring interest or late fees, prioritizes market share over immediate profitability. As it faces stiff competition from both new entrants and traditional financial institutions, BNPL companies must innovate to maintain growth.

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What is Credit Risk and Why is it Important?

The lender offers credit to a debtor, termed a borrower, based on trust in repayment. Credit risk emerges when there's a risk the borrower might not repay, leading to the lender not receiving the principal or interest, thereby incurring significant financial losses. Additionally, substantial costs are often incurred in efforts to recover the loan amount.

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Financial and Regulatory Reporting

Financial regulations, such as Basel and IFRS 9, dictate capital requirements for institutions to ensure economic stability. Government regulators enforce these to prevent crises like the 2008 financial meltdown, which caused major disruptions due to major institutional bankruptcies. Trust in banks, fostered by these regulations, encourages public deposits, crucial for economic functionality.

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Scorecard - Credit Engine

Credit risk scorecards provide quantitative estimates of the likelihood of customer delinquencies, such as bankruptcy or loan default, in relation to their credit status. We've developed a fast, automated credit risk engine to enhance decision-making efficiency. Upcoming posts will explore common ML models used in the consumer finance credit risk sector.

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Prepayment Analytics

The Loan Portfolio Cash Flow Forecast & Analytics offers in-depth cash flow projections accounting for defaults and prepayments, essential for financial planning and interest risk management. It also supports Investor & Warehouse Securitization Reporting with comprehensive pool analysis and aids in Loan Pricing & Scenario Optimization to maintain a balance between profitability and risk.

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Why Vector ML Analytics

Setting Up With Vector Is Easy, Requiring No Effort From Your Engineering Or Finance Team

Data Tape Integration

Immediate Data Tape Integration, Seamlessly Accepting Your Existing Loan Tape In Any Format—Whether It's CSV, Excel, or Parquet

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No-Code

Customize and Deploy Financial Models and Reports Directly from the Vector Pre-built Library

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Explore Prebuilt Integration

Integrate with Accounting, Bank Accounts, Core Banking Systems Including Plaid, NetSuite, and AWS

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Custom Reporting

Generate Fully Customizable Reports, Tailored to Meet Any Business or Regulatory Requirement

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