Blog
Methodology-first writing on credit ML
Long-form posts on automated feature engineering, model validation, SR 11-7 documentation, fair-lending compliance, and operating production ML in credit and fraud. Written by credit-modeling practitioners — for risk officers, ML engineers, and data scientists at financial institutions.
Latest
Comparison·May 2026
Consilience vs. Zest AI (2026 Comparison)
An ex-Affirm credit ML engineer on the refresh tax, model ownership, and where Zest’s managed service is actually the right call.
Comparison·May 2026
Consilience vs. Taktile (2026 Comparison)
Taktile orchestrates decisions; Consilience builds the models underneath them. A decision tree for which one your team actually needs.
Build vs. Buy·May 2026
Consilience vs. AWS SageMaker (2026 Build vs. Buy)
A walked-through build-vs-buy teardown for an in-house SageMaker credit model — engineer-weeks, audit-workflow gotchas, and where in-house builds actually stall.