Karus | Reimagining Private Credit Using Artificial Intelligence

Private Credit Reimagined

Making lenders smarter, originators more efficient, and institutional investors more successful.

The Karus Network

How does it work?

Karus technology brings state of the art machine learning to the private credit market. We accomplish this by connecting originator and alternative data sources in a consolidated cloud environment where our machine learning engineers iteratively train and refine private credit models.

Originator Data

Exclusive originator data powers our machine learning models by giving us the target features we need to accurately score and price private credit. Originator data comes in the form of loan tape, premiums and loss history, and transactional formats. 

Alternative Data

Our machine learning engineers have seen time and again that supplementing originator data with alternative data sources leads to improved model accuracy. Alternative data sources that play prominently in our models include government databases, open source APIs, and geolocation data.

Originator & Alternative Data

Data flows to the secure Karus cloud environment via APIs.

Karus ML Credit Models

Alternative and Originator data is transformed and passed to Karus ML models.

Financial Institutions

Predictions and insights are returned via API to our clients in real time.

Originator & Alternative Data

Data flows to the secure Karus cloud environment via APIs.

Karus ML Credit Models

Alternative and Originator data is transformed and passed to Karus ML models.

Financial Institutions

Predictions and insights are returned via API to our clients in real time.

The Karus Network

Platform

Karus believes in giving our customers flexibility when accessing private credit scoring and insight. That’s why we offer both a seamless REST API and a software interface, the Karus Portal.

REST API

For our customers who prefer to integrate Karus scoring into existing applications or build custom dashboards powered by Karus technology. 

Karus Portal

For our customers who prefer to access Karus scoring and insight via our software offering with custom insight and scoring across our network of originators.

About Us

Meet Our Team

Aaron Travis

CEO

James Harrison

COO

Paul Kostoff

CTO

Keegan English

Data Scientist

Meet Our Advisors

Gerritt Graham

Gerritt is a growth executive with over 20 years of experience building GTM strategy, efficient sales engines and RevOps platforms for early stage companies with disruptive data driven technology. Gerritt has a focus in Financial Services and Insurance and has led sales and marketing teams for organizations such as Oracle, Thomson Reuters, GLG, Kurtosys and Corvus Insurance Holdings. Currently he leads all growth strategy for Encamp, a disruptive player in the Regtech space. In addition to his involvement with Karus, he is on the Advisory Board of BIA and active as an Executive Member of the Revenue Collective.

Keri Findley

Since 2017, Ms. Findley has lent funds to leading venture-backed businesses via a unique model she developed. Prior to her work with venture-backed businesses, Ms. Findley was a partner at Third Point LLC, an SEC- registered investment advisor founded by Daniel S. Loeb, with approximately $15.0 billion of assets under management. Ms. Findley joined Third Point LLC in 2009 and focused on distressed investments including distressed financial securities and mortgage securities. Ms. Findley was previously at D.B. Zwirn. Ms. Findley earned a BS in Operations Research from Columbia University.

Arturo Aguilar

Arturo Aguilar is owner and CEO of Auto One Acceptance, a Texas regulated consumer lender for subprime auto customers since 2011, and co-Founder of Gear, a high tech fresh produce grower in Mexico for the US and Canada markets. He started up, acquired, expanded, and sold a micro-loan operation in Mexico with over 200 locations and 480,000+ customers. He has also worked for McKinsey & Co. He holds a B.Sc. in Civil Engineering from UIA in Mexico City, and received his MBA and MPA from Harvard. He has been a college lecturer on entrepreneurship at ITAM and UIA in Mexico.

Ponder Harrison

Mr. Harrison is a private investor focused on middle market industrial and service businesses.  He enjoyed a 35-year career as a recognized Travel and Technology Industry entrepreneur having helped start several successful low-cost commercial airlines in the U.S. and Europe. Mr. Harrison co-founded Allegiant Travel Company in 2002, remaining active in the business through 2017. In 1999, Mr. Harrison co-founded Virtual Premise, Inc., a leading SaaS provider of commercial real estate information management solutions, where he served as Chairman and CEO until its acquisition by CoStar Group, Inc. Mr. Harrison serves on the board of directors of Allegiant Travel Company and the Parkinson’s Foundation.  He is also a Senior Advisor to both Comvest Partners and Franklin Resources’ Industrial Technology Fund.

Erik Vande Kieft

Erik is an Engineering Manager at Facebook in the Core Machine Learning team, working on systems for Ads Personalization. Prior to Facebook, Erik worked on novel quantitative approaches to private company investing as the VP of Engineering at CircleUp, where he helped build a platform for identifying, classifying, and evaluating early-stage consumer and retail brands. Additionally, he led the Machine Learning Platform team at Lyft, where he worked on the challenges of real-time prediction at high scale. Erik earned his undergraduate degree in Computer Science from Stanford University. He was also awarded a full scholarship for an MS in Computer Science from UCSD, where he did research on highly scalable systems & network security.

Meet Our Advisors

Gerritt Graham

Gerritt is a growth executive with over 20 years of experience building GTM strategy, efficient sales engines and RevOps platforms for early stage companies with disruptive data driven technology. Gerritt has a focus in Financial Services and Insurance and has led sales and marketing teams for organizations such as Oracle, Thomson Reuters, GLG, Kurtosys and Corvus Insurance Holdings. Currently he leads all growth strategy for Encamp, a disruptive player in the Regtech space. In addition to his involvement with Karus, he is on the Advisory Board of BIA and active as an Executive Member of the Revenue Collective.

 

Keri Findley

Since 2017, Ms. Findley has lent funds to leading venture-backed businesses via a unique model she developed. Prior to her work with venture-backed businesses, Ms. Findley was a partner at Third Point LLC, an SEC- registered investment advisor founded by Daniel S. Loeb, with approximately $15.0 billion of assets under management. Ms. Findley joined Third Point LLC in 2009 and focused on distressed investments including distressed financial securities and mortgage securities. Ms. Findley was previously at D.B. Zwirn. Ms. Findley earned a BS in Operations Research from Columbia University.

Arturo Aguilar

Arturo Aguilar is owner and CEO of Auto One Acceptance, a Texas regulated consumer lender for subprime auto customers since 2011, and co-Founder of Gear, a high tech fresh produce grower in Mexico for the US and Canada markets. He started up, acquired, expanded, and sold a micro-loan operation in Mexico with over 200 locations and 480,000+ customers. He has also worked for McKinsey & Co. He holds a B.Sc. in Civil Engineering from UIA in Mexico City, and received his MBA and MPA from Harvard. He has been a college lecturer on entrepreneurship at ITAM and UIA in Mexico. 

Ponder Harrison

Mr. Harrison is a private investor focused on middle market industrial and service businesses.  He enjoyed a 35-year career as a recognized Travel and Technology Industry entrepreneur having helped start several successful low-cost commercial airlines in the U.S. and Europe. Mr. Harrison co-founded Allegiant Travel Company in 2002, remaining active in the business through 2017. In 1999, Mr. Harrison co-founded Virtual Premise, Inc., a leading SaaS provider of commercial real estate information management solutions, where he served as Chairman and CEO until its acquisition by CoStar Group, Inc. Mr. Harrison serves on the board of directors of Allegiant Travel Company and the Parkinson’s Foundation.  He is also a Senior Advisor to both Comvest Partners and Franklin Resources’ Industrial Technology Fund.

Erik Vande Kieft

Erik is an Engineering Manager at Facebook in the Core Machine Learning team, working on systems for Ads Personalization. Prior to Facebook, Erik worked on novel quantitative approaches to private company investing as the VP of Engineering at CircleUp, where he helped build a platform for identifying, classifying, and evaluating early-stage consumer and retail brands. Additionally, he led the Machine Learning Platform team at Lyft, where he worked on the challenges of real-time prediction at high scale. Erik earned his undergraduate degree in Computer Science from Stanford University. He was also awarded a full scholarship for an MS in Computer Science from UCSD, where he did research on highly scalable systems & network security.

 

Meet Our Advisors

Gerritt Graham

Gerritt is a growth executive with over 20 years of experience building GTM strategy, efficient sales engines and RevOps platforms for early stage companies with disruptive data driven technology. Gerritt has a focus in Financial Services and Insurance and has led sales and marketing teams for organizations such as Oracle, Thomson Reuters, GLG, Kurtosys and Corvus Insurance Holdings. Currently he leads all growth strategy for Encamp, a disruptive player in the Regtech space. In addition to his involvement with Karus, he is on the Advisory Board of BIA and active as an Executive Member of the Revenue Collective.

 

Keri Findley

Since 2017, Ms. Findley has lent funds to leading venture-backed businesses via a unique model she developed. Prior to her work with venture-backed businesses, Ms. Findley was a partner at Third Point LLC, an SEC- registered investment advisor founded by Daniel S. Loeb, with approximately $15.0 billion of assets under management. Ms. Findley joined Third Point LLC in 2009 and focused on distressed investments including distressed financial securities and mortgage securities. Ms. Findley was previously at D.B. Zwirn. Ms. Findley earned a BS in Operations Research from Columbia University.

Arturo Aguilar

Arturo Aguilar is owner and CEO of Auto One Acceptance, a Texas regulated consumer lender for subprime auto customers since 2011, and co-Founder of Gear, a high tech fresh produce grower in Mexico for the US and Canada markets. He started up, acquired, expanded, and sold a micro-loan operation in Mexico with over 200 locations and 480,000+ customers. He has also worked for McKinsey & Co. He holds a B.Sc. in Civil Engineering from UIA in Mexico City, and received his MBA and MPA from Harvard. He has been a college lecturer on entrepreneurship at ITAM and UIA in Mexico. 

Ponder Harrison

Mr. Harrison is a private investor focused on middle market industrial and service businesses.  He enjoyed a 35-year career as a recognized Travel and Technology Industry entrepreneur having helped start several successful low-cost commercial airlines in the U.S. and Europe. Mr. Harrison co-founded Allegiant Travel Company in 2002, remaining active in the business through 2017. In 1999, Mr. Harrison co-founded Virtual Premise, Inc., a leading SaaS provider of commercial real estate information management solutions, where he served as Chairman and CEO until its acquisition by CoStar Group, Inc. Mr. Harrison serves on the board of directors of Allegiant Travel Company and the Parkinson’s Foundation.  He is also a Senior Advisor to both Comvest Partners and Franklin Resources’ Industrial Technology Fund.

Erik Vande Kieft

Erik is an Engineering Manager at Facebook in the Core Machine Learning team, working on systems for Ads Personalization. Prior to Facebook, Erik worked on novel quantitative approaches to private company investing as the VP of Engineering at CircleUp, where he helped build a platform for identifying, classifying, and evaluating early-stage consumer and retail brands. Additionally, he led the Machine Learning Platform team at Lyft, where he worked on the challenges of real-time prediction at high scale. Erik earned his undergraduate degree in Computer Science from Stanford University. He was also awarded a full scholarship for an MS in Computer Science from UCSD, where he did research on highly scalable systems & network security.

 

Contact Us

(415) 535-6479

info@karus.xyz

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