Built by the people who know credit
Consilience AI was founded by Adriel Sumathipala — a Yale statistician and former Senior ML Engineer at Affirm, where he built underwriting and fraud models and patented an RL-based loan pricing system. Backed by BoxGroup and advised by senior leaders from Mastercard, Wells Fargo, Discover, Cognizant, and Fannie Mae, we build ML infrastructure for financial services from inside the industry.
Our Mission
“We believe the best risk decisions come from the best models. We automate model building so teams can focus on strategy, not plumbing.”
Founder
Adriel Sumathipala
Founder & CEO
Adriel studied Statistics at Yale (Class of ’20) and spent four-plus years as a Senior Machine Learning Engineer at Affirm, where he built credit underwriting and fraud detection models at scale. He also led ML engineering at Intuit on financial products.
At Affirm, Adriel created the company’s first reinforcement learning-based loan pricing system, a patent he holds. That experience, deeply embedded in production credit model development, is the foundation Consilience is built on.
Advisors
Industry leaders guiding our work
Ben Soccorsy
Head of Open Banking @ Mastercard
Former EVP and Head of Global Open Banking at Mastercard, and co-founder and former board chair of the Financial Data Exchange (FDX), the U.S. standard for consumer financial data sharing. Ben spent 20+ years in senior leadership at Mastercard and Wells Fargo across open finance, payments, and digital banking, and now advises Fortune 200 banks, networks, and fintechs as Senior Advisor to BCG.
Rich McGhee
CTO @ Cognizant, SVP @ Discover
Former CTO and Global Head of Innovation at Cognizant, and SVP of Technology at Discover Financial Services for eight years, where he led application development and digital channels. Earlier, as SVP of Credit Loss Management at Fannie Mae, Rich directed the largest systems-development initiative in company history, building next-generation loan-servicing and risk modeling platforms under regulatory scrutiny.
Investors
BoxGroup
Leading early-stage investor behind Stripe, Ramp, and Plaid.
Our Values
What we stand for
Security-First
On-premises deployment, SOC 2 compliance, zero data egress. Financial institutions cannot afford security shortcuts, and neither can we.
Fair Lending
Built-in disparate impact testing, adverse action code generation, and regulatory compliance. We take fair lending as seriously as any bank examiner.
Financial Services Depth
We don't parachute in from general ML. We built underwriting and fraud models at leading fintech companies. We understand credit reports, lending regulations, and portfolio risk from the inside.
Model Transparency
Every feature has a definition. Every decision is explainable. Every training run is logged. Black boxes have no place in lending.
Let’s build something together
If you’re a lending institution, fintech, or bank looking to build better models, we’d love to learn about your data and use case.
Get in touch