Quantitative Research and Modeling

Quantitative Modeling

Our Quant’s Focus

Our team of Quants focus on model development and research spanning advanced mathematics, statistics, machine learning and artificial intelligence.

Risk management is the main driver behind our innovations and research is focused on explainability, ergodic theory, optimization, quantum mechanics, and risk management.

Mathematics
Statistics
Machine Learning
Artificial Intelligence
Risk Management

Modeling as a Service

Agora offers models as a service which are the same models used internally. All models are reviewed for accuracy, robustness, and explainability.

The data set used for model development is over $350 billion in loan principal balance and has vintages from 2001 to present day allowing for a range of macroeconomic conditions.

Our Model Outputs

Mathematics
Loan Level Cash
Principal
Interest
Balances
Macroeconomic Interest Rates
Loss Given Default
Exposure at Default
Probability of Default
Fraud
Interest Rates

Cutting-Edge Reporting

Agora’s proprietary reporting portal utilizes Generative AI and Machine Learning to provide lenders with cutting-edge analysis and data. Agora can customize and meet the needs of any originator or lender.

Agora produces both loan level and portfolio level underwriting with scalpel-like accuracy while maintaining a holistic view of risk.

Cash Performance Graph

Meet our Head of Quantitative Research

Our experienced team includes economists, PhD’s in mathematics, starting and operating successful subprime auto finance companies, running franchise and independent auto dealer groups, successfully securitizing billions in the capital markets, purchasing billions on the auto loan secondary market, managing private equity companies, managing data science teams, leading risk management teams, managing call centers, founding national trade associations, and much more. Our Quants are able to access and utilize those experiences.
DimitriBianco-quant

Dimitri Bianco

Quantitative Risk and Research

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© 2024, Agora Data, Inc. All rights reserved. Disclaimer: Timing and amount of additional loan profit, (if any) are not guaranteed and are after all Agora fees including but not limited to servicing, interest and loan losses. Agora does not approve or deny consumer credit as the approval process is the originator’s alone.

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