Specialist loan fund manager launches analytics tool

By Ryan Weeks on Monday 11 December 2017

Alternative Lending

Fintex Capital launches new web-based version of loan performance, monitoring and analysis tool.

Boutique fund manager Fintex Capital is sharpening its proposition. The business, which smooths the process of institutional investment into online loans, has launched version three of its analytics tool.

LISA 3.0, as it is called, is a proprietary software which provides bespoke, granular analytics on each Fintex loan portfolio. Those portfolios can be segmented according to a range of parameters, from loan vintage, to borrower rating, to loan maturity. This allows areas of risk to be easily identified and quantified, as well as for the swift and accurate forecasting of cashflows, all web-based. In version two of the tool, these processes took place behind the scenes, in Excel spreadsheets and the like.

LISA's data visualisation tools have also been upgraded to include heatmaps and infographics, helping Fintex's analysts to pinpoint when cohorts might deserve “further scrutiny”.

“LISA performs a difficult and diverse set of tasks: to digest and visualise enormous data pools, highlight the most relevant data subsets, forecast portfolio cashflows, conduct sensitivity analysis and predict future returns,” explained Rafi Goldberg, senior quant at Fintex.

He further explained that the tool helps Fintex, a manager of money, to “keep its finger on the pulse of each portfolio”.

Fintex allows its institutional clients to invest in loan portfolios via the familiar format of listed bonds. It tends to work through distinct strategies, initially focusing on German consumer loans by working with marketplace lending platform Auxmoney. The company announced earlier this year that it had hired former head of bridging at United Trust Bank Alan Margolis in order to help launch a new UK-focused real estate lending strategy.

Fintex Capital’s business is one-of-a-kind. It combines three key ingredients: first, our proven ability to wrap unwieldy portfolios of private loans into simple, tailor-made bonds through turnkey bond issuance, making alternative credit investments hassle-free for institutional fixed income investors. Secondly, our top-notch team, which combines deep credit expertise with a thorough understanding of capital markets and principal investment experience. LISA embodies the third pillar in our strategy; our ability to develop sophisticated and proprietary data tools, tailor-made to fit the credit strategies we invest in,” said Fintex CEO Robert Stafler (pictured).

“To the best of our knowledge, no other firm approaches the high-in-demand alternative credit space with a comparable level of infrastructure, innovation and capability.”

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