EDGE

Chicago, Illinois, USA
Year Founded: 2021
Edge (www.edgescore.com) is a data and analytics platform that harnesses bank transaction data to measure consumer credi

Edge (www.edgescore.com) is a data and analytics platform that harnesses bank transaction data to measure consumer credit risk. Founded in 2021, Edge is part of a larger family of FinTech brands that sits underneath our parent company, NinjaHoldings (www.ninjaholding.com). NinjaHoldings’ brands also include CreditNinja, a high velocity online consumer lending business, and NinjaCard, a neobanking platform focused on consumers in the emerging credit space.

At our core, Edge is a cash flow bureau (versus a credit bureau). We have proprietary technology and data sets that allow us to extract predictive features from granular bank transaction data and measure the risk of a consumer. Our solutions are built on a massive data lake that uniquely combines performance data from over $500 million in loans with over 3 billion consumer-permissioned bank transactions, an “edge” that can only be replicated at considerable time and cost. We believe that we provide a benefit to lenders and consumers by providing a more accurate financial picture of consumers who are overlooked, or incorrectly scored by the traditional bureaus, ultimately opening up access to fairer, more accurately priced credit.


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EDGE Offices

OnSite Workspace

Employees work from physical offices.

Typical time on-site: None
Chicago, Illinois, USA

What the Team is Saying

Articles We're In

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Alyssa Schroer Alyssa Schroer
Published on November 26, 2024

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Photo: Shutterstock
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Brigid Hogan Brigid Hogan
Updated on November 26, 2024

AI and ML in Action: 4 Companies Driving Innovation

Cutting-edge AI and ML technologies are reshaping workflows, accelerating development and delivering value to customers.

Image: Shutterstock
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Technology We Use

AWS (Amazon Web Services)
AWS (Amazon Web Services)
SERVICES
Python
Python
LANGUAGES
Ruby
Ruby
LANGUAGES
Ruby on Rails
Ruby on Rails
FRAMEWORKS
SQL
SQL
LANGUAGES