Digital CFO for Lenders,
Banks, and Debt Funds

AI-powered FP&A and Debt Capital Markets Platform for budgeting, investor reporting, asset-liability management, liquidity and profitability planning

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20+ Asset Classes
300+ Financial Models
SOC 2 Certified
Vector ML Analytics Dashboard
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PLATFORM FEATURES

End-to-End 360° Digital CFO

Financial Planning & Analysis (FP&A), Debt Capital Markets, Borrowing Base Reporting, Credit Risk Analytics and Asset-Liability Management (ALM) combined in one platform

Financial Planning & Analysis (FP&A)

AI-powered budgeting, forecasting, and variance analysis with automated reporting and real-time insights.

Key Capabilities

3 Statement Financial Projections

Liquidity and Capital Planning

Pricing & Profitability Analysis

Cash Flow Forecasting

Balance Sheet Optimization

Scenario Planning & Simulation

Explore FP&A
Revenue
$11.5M
+12.5%
Net Income
$5.0M
+18.8%
Forecast Accuracy
96%
Excellent

Performance Overview

Q4 2024
Revenue
+3%
On track
Operating Expenses
96%
$4.2M$4.0M
Net Income
111%
$4.5M$5.0M

Variance Analysis

Current Period
Interest Income
Budget
$8.2M
Actual
$9.4M
+14.6%
Fee Income
Budget
$1.8M
Actual
$2.1M
+16.7%
Total Revenue
Budget
$10.0M
Actual
$11.5M
+15.0%

Scale Your Lending,
Not Your Operations

Vector Is the First Solution in the Market to Integrate FP&A, Credit Risk Analytics, ALM, and Treasury Operations, Providing Over 300 Financial Models Across 40 Asset Classes. By Connecting to 120+ APIs, Vector Streamlines Forecasting, Financial Projections, and Operations for Banks, Lenders, and Debt Funds.

300
Financial Models
+45%
Increased Accuracy
80%
Time & Cost Saving
40
Asset Classes
READY-MADE FEATURES

Financial Institutions

Vector Covers a Wide Range of Financial Institutions and Asset Classes

Lenders

Comprehensive lending institutions providing personal, auto, and business loans with advanced risk management and portfolio optimization.

Credit Funds

Investment funds focused on credit markets, offering debt financing solutions with sophisticated risk assessment and yield optimization.

Banks

Full-service financial institutions offering deposits, loans, and investment services with integrated treasury and risk management.

Borrowers

Individuals and businesses seeking financing solutions with streamlined application processes and competitive rates.

Issuers

Organizations issuing debt securities and financial instruments with comprehensive market analysis and pricing strategies.

Credit Unions

Member-owned financial cooperatives providing personalized banking services with community-focused lending approaches.

Consumer Lending

Specialized providers of personal loans, credit cards, and installment financing with advanced credit scoring and portfolio management.

Commercial Lending

Business-focused lenders offering working capital, equipment financing, and growth capital with sophisticated risk analytics.

Fintechs

Technology-driven financial service providers offering innovative lending, payments, and investment solutions with digital-first approaches.

READY-MADE FEATURES

Collaborate with AI in your Financial Platform

Enable your team to work together seamlessly with AI-powered assistance, real-time editing, and smart notifications.

AI Copilots

Intelligent AI assistants that understand your financial data, answer complex questions about loan portfolios, generate insights on credit risk, and help analysts make faster, data-driven decisions.

AI Insights

Live

Portfolio Analysis

AI-powered insights

156

Risk Assessment

Real-time monitoring

89

Forecasting

Predictive analytics

72

317

Queries Today

1.2s

Avg Response

96%

Accuracy

Show me our loan portfolio performance

Your loan portfolio is performing well with strong metrics across all categories:

Total Portfolio Value

$45.8M

+12% YoY

What was last quarter's revenue?

I can definitely assist with that analysis. The latest financial data shows some interesting trends:

Q3 Revenue Performance

$2.2M

+25%

Ask AI Copilot...

WHY VECTOR

Why Vector ML Analytics

Setting Up With Vector Is Easy, Requiring No EffortFrom Your Engineering Or Finance Team

Data Tape Integration

Immediate Data Tape Integration, Seamlessly Accepting Your Existing Loan Tape In Any Format—Whether It's CSV, Excel, or Parquet

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No-Code

Customize and Deploy Financial Models and Reports Directly from the Vector Pre-built Library

Explore no-codes

Explore Prebuilt Integration

Integrate with Accounting, Bank Accounts, Core Banking Systems Including Plaid, NetSuite, and AWS

View connectors

Custom Reporting

Generate Fully Customizable Reports, Tailored to Meet Any Business or Regulatory Requirement

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TESTIMONIALS

Clients & Testimonials

Executives and Analysts at Leading Banks and Lending Institutions Trust Vector ML Analytics.

Partnering with Vector ML Analytics has transformed our asset and liability management, offering advanced insights and forecasting for our loan portfolio. Their customized cash flow engine and in-depth analysis have greatly improved our decision-making capabilities. Their automation of warehouse and securitization reporting has also enhanced our operational efficiency. Vector ML's innovative solutions have significantly contributed to our strategic planning and financial performance. I strongly endorse them for any financial institution aiming to upgrade their portfolio management and reporting systems.

SK

Siddharth Kakkar SVP

Finance Nuula

Verified Client

Partnering with Vector ML Analytics has revolutionized our warehouse and securitization reporting. Their custom cash flow engine and analysis have boosted our financial planning, profitability, and capital management. Vector ML's automation has streamlined our operations and improved our decision-making. I highly recommend them for any financial institution seeking to enhance their portfolio management and reporting.

ST

Salvatore Tirabassi

CFO ProAnalytics

Verified Client

Vector ML's FP&A tool transforms banking by enabling detailed analysis of loans and deposits at the individual level. With behavioral assumptions, banks can automate models to adjust strategies based on customer behavior, leading to more accurate cash flow forecasts, better risk management, and smarter product pricing decisions, driving growth in a dynamic financial landscape.

T1

Tier 1 Institutional Bank

Verified Client

Vector ML transformed our Debt Capital Markets strategy by seamlessly linking FP&A with borrowing base optimization. With real-time insights and granular data, we adjusted borrowing strategies, optimized capital deployment, and improved risk management—driving growth and efficiency in a competitive market.

DC

Debt Consolidation Lender

Verified Client
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PUBLICATIONS

Publications

Stay Informed With Our Latest
Research and Articles.

Machine Learning Applications in Lending

As of 2020, the financial sector debt reached $66 trillion equal to 25% of the global debt. As the world gears up to fight the pandemic, the need to precisely analyze credit risk and price...

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Automated Machine Learning

AutoML is the automation of ML algorithms and the structured design process of a defined model. It provides predesigned systematically structured data analysis tools that help banks...

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Buy Now Pay Later

Buy Now, Pay Later (BNPL) offers consumers the ability to purchase immediately and pay over time, rapidly evolving from simple 'Pay-in-4' plans to diverse financial models and integrated apps. The sector, primarily funded by merchant fees and occasionally featuring interest or late fees, prioritizes market share over immediate profitability. As it faces stiff competition from both new entrants and traditional financial institutions, BNPL companies must innovate to maintain growth.

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What is Credit Risk and Why is it Important?

The lender offers credit to a debtor, termed a borrower, based on trust in repayment. Credit risk emerges when there's a risk the borrower might not repay, leading to the lender not receiving the principal or interest, thereby incurring significant financial losses. Additionally, substantial costs are often incurred in efforts to recover the loan amount.

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Financial and Regulatory Reporting

Financial regulations, such as Basel and IFRS 9, dictate capital requirements for institutions to ensure economic stability. Government regulators enforce these to prevent crises like the 2008 financial meltdown, which caused major disruptions due to major institutional bankruptcies. Trust in banks, fostered by these regulations, encourages public deposits, crucial for economic functionality.

Read more

Scorecard - Credit Engine

Credit risk scorecards provide quantitative estimates of the likelihood of customer delinquencies, such as bankruptcy or loan default, in relation to their credit status. We've developed a fast, automated credit risk engine to enhance decision-making efficiency. Upcoming posts will explore common ML models used in the consumer finance credit risk sector.

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Prepayment Analytics

The Loan Portfolio Cash Flow Forecast & Analytics offers in-depth cash flow projections accounting for defaults and prepayments, essential for financial planning and interest risk management. It also supports Investor & Warehouse Securitization Reporting with comprehensive pool analysis and aids in Loan Pricing & Scenario Optimization to maintain a balance between profitability and risk.

Read more