2OS brings deep technical expertise, a focus on the bottom line, and world-class experience to the challenges of today’s lending. We thrive at the nexus of cutting edge data science and world-class lending strategy. Our mission is to evangelize the power and potential of alt-data and advanced analytics on the age-old lending industry.

Our world class team of credit and advanced modeling experts is committed to improving financial and risk results to deliver superior economic outcomes and sustainable competitive advantage.

Tempered with pragmatism, we ensure that the strategies we design and recommendations are both realistic and actionable.

We help our clients acquire and develop the internal capabilities required to be successful long after we are gone.

We’ve delivered transformational results for a range of client all along the lending value stream – from top 10 global banks to fintech start-ups. For one major global bank, we developed a credit limit increase strategy that lowered overall exposure while increasing profits by >50%. For a fintech startup, we developed a custom risk model and credit policy that held approval rates constant while raising expected values by ~25% by more aggressively differentiating price and line assignment. View Case Studies

Our managing partners, Scott Barton and Rob Finnegan, are seasoned financial services veterans with deep marketing, credit risk and collections backgrounds. Both Scott and Rob have held executive roles in Capital One’s US Card business leading any of several areas, including: Small Business Card, Decision Sciences, Collections and Recoveries and Customer Management. They were also both recognized as one of only a handful of Senior Credit Officers in the US Card business.