What We Do
2OS provides credit risk consultancy services for clients ranging from top 10 banks to financial tech startups throughout the world. Our credit experts use groundbreaking data analysis and modeling techniques to deliver superior economic outcomes and sustainable competitive advantages for our clients.
We Serve All Phases of the Lending Lifecycle
Underwriting & Fraud
Balancing approval rates and credit risk is the classic lender’s dilemma. Thru alternative data and custom modeling, 2OS can show you how to minimize this dilemma by adding precision to your business’ underwriting decisions.
Your existing portfolio represents your lowest hanging value – it’s a captive audience with an abundance of data. Whether the goal is to cross-sell, stimulate engagement, or manage exposure, 2OS can help your business target and capture that value.
Collections & Recoveries
With significant regulatory and litigation components, successfully collecting on delinquent receivables requires a combination of advanced analytics and experience driven operational savvy. 2OS can help you navigate these risks with a collections strategy designed specifically for your business.
Get a detailed look at how our process has solved some of the most complex business problems for our clients.
Who We Are
Aaron is a former Capital One Data Scientist with 8+ years of experience developing models in the credit space. At 2OS, he’s worked with a range of clients from small fintechs to Fortune 100 consumer banks. While at Capital One, in addition to his role leading the development of valuation models for US Card, he was also a primary developer in the company’s “big data transformation” effort. He has significant experience working with bureau archives and non-traditional modeling methods.
"The best part about working at 2OS is the exceptional depth of collective knowledge and teamwork. There are many employees with distinct subject matter expertise, and everyone is friendly, helpful and available to answer any questions one might have while working on a project."
Chase is a former Capital One Sr. Manager with 10+ years of experience in credit risk, collections, front-end underwriting and portfolio management. He has worked with a variety of clients ranging from start-up lenders to top 5 investment banks at 2OS. While at Capital One, in addition to numerous analytic roles across both US Card and the Consumer Bank, he was an accredited Model Risk Officer tasked with overseeing the development and deployment of valuation and risk models across the enterprise.
Meet our team of data science experts who make it all possible.