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Our mission is to positively impact the financial wellbeing of every hardworking American.

 

 

 
 

What We Do

Aliya is a financial technology company founded and fully funded by the industry's leading innovators, engineers, and investment managers. Using machine learning and big data analytics, we enable banks and other financial institutions to create deeper, more profitable lending relationships with their existing underserved customers.

 
 
 

THE PROBLEM

A 600 is not always a 600. Current credit scoring models are often outdated and inaccurate, falsely boxing in customers as non-prime when they can perform as near-prime/prime. These customers are often underserved by their financial institutions and must resort to payday lenders and other alternative marketplace lenders to find credit. 

 


OUR SOLUTION

Aliya is more than just a credit model. We’ve created a unique solution to push out pre-approved, competitively priced loan offers to those who need it most. Using sophisticated data analytics, we partner with financial institutions to help identify the 40% of their customer base that is classified as non-prime but that can perform as near-prime/prime.*

 

HOW WE DO IT

Our credit policy uses machine learning, proprietary Free Cashflow and NPV models, 150+ Advanced Decisioning Attributes (3x the scope of normal models), and individualized underwriting to create the most accurate, robust picture of credit risk possible. 

Our credit policy – which has been reviewed by the OCC and validated by a top 10 U.S. bank – has been proven to expand financial institutions’ lending population by about 35%.*

 

*Based on analysis of generic sample of installment loans opened across all issuers between Jan ‘13 and Mar 13. Aliya proprietary data, obtained from data archive from Equifax. 

 

Partner With Us

Aliya serves as a white-label analytics and technology partner to financial institutions — not a marketplace competitor. Our sophisticated credit policy helps financial institutions lend more safely, accurately, and profitably, while deepening their existing customer relationships.

 
 
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        GROW YOUR CONSUMER LOAN PORTFOLIO

  • Deepen Customer Relationships Discover your non-prime customers who can perform as near-prime/prime, and push out competitively priced, unsecured loan offers to this underserved customer base. 
  • Expand Your Underwriting Cut-Off Expand your lending population by about 35% and add incremental, high NIM assets to your balance sheet.
  • Manage Your Risk We offer a solution to purchase loans off your balance sheet to manage your risk-weighted capital ratios. 

        SOPHISTICATED CREDIT POLICY & MANAGEMENT

  • Easy “Plug-and-Play,” End-to-End Solution Tested to high quality assurance standards, our solution returns to you a target customer list with their recommended APRs and loan amounts. 

  • Valuations & Pricing Optimization of Loans Calibrate the risk and valuation assumptions to optimize the loan portfolio performance.
  • OCC Reviewed & Top 10 U.S. Bank Validated A proven and tested model that's jumped through all the regulatory hoops so you don't have to.

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        ADVANCED DATA ANALYTICS & TECHNOLOGY

  • Machine Learning with Gradient Boosting Techniques A robust, stable, and scalable method that monetizes your data and ignores personal bias for a better picture of credit risk.

  • 150+ Advanced Decisioning Attributes and Raw Trade Line Data Examine your customers’ financial situation with accuracy and discover the true drivers of risk.
  • Original FCF and NPV Models Better understand your customers’ current cash flow situation and ability to repay, beyond basic credit bureau data. 
 

Who We Are

We are innovators, engineers, investment managers, consultants, dreamers, scientists, and creators who are committed to expanding the consumer lending industry in a fair, responsible way, while offering financial freedom and opportunity to those who need it most.

 
Jay Valanju 15+ years of experience in financial services entrepreneurship. Founded Buzz Points, a leading local banking rewards company with operations in 15+ states. Co-founder of FundsXpress, one of the first internet banking companies.

Jay Valanju

15+ years of experience in financial services entrepreneurship. Founded Buzz Points, a leading local banking rewards company with operations in 15+ states. Co-founder of FundsXpress, one of the first internet banking companies.

Chris Riebold 20+ years financial services experience in over 100 countries. Former Chief Credit and Risk Officer for Americas, Asia Pacific, Japan, and China for Cisco Systems Capital, managing a $12B portfolio and serving multiple executive roles, including Global Head of Structured Finance, Head of Sales & Structured Finance for Europe, Middle East, and Africa.

Chris Riebold

20+ years financial services experience in over 100 countries. Former Chief Credit and Risk Officer for Americas, Asia Pacific, Japan, and China for Cisco Systems Capital, managing a $12B portfolio and serving multiple executive roles, including Global Head of Structured Finance, Head of Sales & Structured Finance for Europe, Middle East, and Africa.

Neil Peretz 20+ years experience in regulatory and finance matters. Recently Vice Chair of the Consumer Financial Services Committee of the California Bar Association. General Counsel of Better Finance. Founding Attorney in the Consumer Financial Protection Bureau's Office of Enforcement, establishing the Bureau's internal Credit Reporting Issues team. Former U.S. Department of Justice Trial Attorney.

Neil Peretz

20+ years experience in regulatory and finance matters. Recently Vice Chair of the Consumer Financial Services Committee of the California Bar Association. General Counsel of Better Finance. Founding Attorney in the Consumer Financial Protection Bureau's Office of Enforcement, establishing the Bureau's internal Credit Reporting Issues team. Former U.S. Department of Justice Trial Attorney.

Steve Basilotto Over 25 years in Direct to Consumer Lending expertise, including Credit Risk Management, Marketing, Operations, and Customer Engagement. Specific experience includes COO and Head of Service Operations at both USAA and HSBC (combined nearly 15 years), Head of Consumer Service Operations and Enterprise Customer Experience at Aetna Heath Care, and nearly 10 years of Credit Risk Management experience with FICO, BankOne, and Fidelity Investments.

Steve Basilotto

Over 25 years in Direct to Consumer Lending expertise, including Credit Risk Management, Marketing, Operations, and Customer Engagement. Specific experience includes COO and Head of Service Operations at both USAA and HSBC (combined nearly 15 years), Head of Consumer Service Operations and Enterprise Customer Experience at Aetna Heath Care, and nearly 10 years of Credit Risk Management experience with FICOBankOne, and Fidelity Investments.

Greg Tagaris 20+ years of technology and operations experience. 12 years at DoubleClick, serving as CTO since 2005. Responsible for supporting the technology initiatives related to the creation and scaling of the DART platform. After the acquisition of DoubleClick by Google in 2005, Greg remained with Google as an Engineering Director until recently.

Greg Tagaris

20+ years of technology and operations experience. 12 years at DoubleClick, serving as CTO since 2005. Responsible for supporting the technology initiatives related to the creation and scaling of the DART platform. After the acquisition of DoubleClick by Google in 2005, Greg remained with Google as an Engineering Director until recently.

Andres Vives 16+ years of banking, credit, data, and analytics. Most recently served as Head of Big Data Transformation at Capital One. Business customer for move to Hadoop-based infrastructure, led cross functional program to transform Capital One's analytics and business practices to Big Data, which included the development of proprietary analytic software and over 15 (credit, marketing, and customer experience) use cases. He also ran Capital One's US Card Decision Sciences (team of 230+ analysts and data scientist) and the Subprime Card business.

Andres Vives

16+ years of banking, credit, data, and analytics. Most recently served as Head of Big Data Transformation at Capital One. Business customer for move to Hadoop-based infrastructure, led cross functional program to transform Capital One's analytics and business practices to Big Data, which included the development of proprietary analytic software and over 15 (credit, marketing, and customer experience) use cases. He also ran Capital One's US Card Decision Sciences (team of 230+ analysts and data scientist) and the Subprime Card business.

Troy Polamalu Two-time Super Bowl winner, played entire NFL career for the Pittsburgh Steelers. 2010 NFL Defensive Player of the Year. Built successful partnerships with Nike, Head & Shoulders, and Coca Cola. Co-founder of Troy & Theodora Polamalu Foundation, Harry Panos Fund, & Polynesian Alliance.

Troy Polamalu

Two-time Super Bowl winner, played entire NFL career for the Pittsburgh Steelers. 2010 NFL Defensive Player of the Year. Built successful partnerships with Nike, Head & Shoulders, and Coca Cola. Co-founder of Troy & Theodora Polamalu Foundation, Harry Panos Fund, & Polynesian Alliance.

Media

 

Aliya overview

A one-page look at the nuts and bolts of our technology and its benefits for your institution.

 
 

Contact Us

For any partnership, investor, or media inquiries, please contact us at
contact@aliya.com or fill out the form below.

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