Operating Principles

Our mission is to boost fair lending globally by making the most intelligent and turn-key lending automation accessible and user-friendly.
In our everyday operations, we follow these operating principles:

A User’s Needs are the Cornerstone

Technology matters only as long as it better addresses a user’s needs.
The main criterion for us is a user’s happiness; everything else – internal constraints, partnerships, routine internal business processes, approved business plans, product roadmaps, etc. – is secondary.
In our user satisfaction standards, in our marketing, and in our products development, we aim for global leadership; we won’t accept 2^nd tier or regional-only positions.

“User-friendliness” is a King. Intelligence is a Queen. API is a Prince.

We constantly work on better and improved interfaces, easier and more intuitive usage patterns, self-explanatory GUI for “dummies,” unique aesthetics, and understandable interface packaging of the most sophisticated technologies.
We don’t tolerate any situation in which a competitor’s GUI is more user-friendly than ours.
We strive to bring the most intelligent products in the world to the marketplace: we bring even higher intelligence and more decision automation before our clients ask for it; we fascinate them with the new and latest AI capabilities.
The key to the global success, product ecosystem fostering and fast growth is the simplest and the most self-explanatory APIs.
We make all of our technologies Turn-Key.

Striving For Unity with the Flow

We believe in unity with the natural flow of things, with evolving market forces and with overall world dynamics.
We are a multinational and multicultural team of highly professional and respectful people, acting in harmony with our teams, peers, customers and partners.
We support each other in and outside of the workplace.
We always look for and try new synergies: between people, teams, partners, technologies, and features.
We are quick to adapt, and we adapt constantly.
We do not judge our clients; we do not impose our values on them. Our technological infrastructure is for everyone, just like the Sun shines for everyone.
We care for the environment: we go as paperless as possible; we place top priority on environment-friendly projects for our clients and partners.
We stand for the highest moral standards, and do not support any illegal activities or businesses.

Trust And Involvement

We only hire people we trust and enjoy working with, no exceptions. Credentials and “importance” don’t matter in this regard.
We praise achievements, appreciate efforts, and encourage initiative.
We avoid bureaucracy to a maximally practical extent.
We delegate as many decisions as possible to our “point-of-contact” people, those who touch the incoming information and can therefore act with first-hand experience.
Mistakes are a natural improvement vehicle. We analyze them, learn the lesson and, when applicable, create procedures for avoiding them in the future.
Only high-impact and irreversible decisions are escalated from “point-of-contact” to upper management.
We support open communication through knowledge sharing and information exchange.
Bad news must be delivered promptly.
All kinds of feedback are welcome, especially constructive criticism.

Decide fast, act even faster

Sub-optimal but fast decisions are better than perfect and slow.
In today’s volatile and quickly changing world, the speed of operational decisions supersedes the search for the best decision. When it is good enough, it is good enough.
We apply our operating principles to every decision we make.
Only strategic decisions require total thoughtfulness. We make decisions as if we play blitz chess (not bullet chess) – we decide fast, but still multi-parameterize and account for several steps ahead.
To decide faster and better, we discuss things with colleagues and external experts – again, as quickly as possible.
To drive things faster, we internally employ a maximum level of automation.