About Finlytics Hub
Where domain expertise meets deep technical knowledge
The gap we fill
In today's data-driven landscape, large enterprises often find themselves at a crossroads.
Domain-focused advisors understand your industry's intricate risk, compliance, and governance challenges, but their strategic recommendations often remain theoretical because they lack the technical capability to implement them.
Technology-centric consultancies can build sophisticated platforms and cutting-edge AI/ML models, but they often lack a deep understanding of your specific regulatory constraints and commercial realities.
We are neither. We are both.
Our origin story
Finlytics Hub was founded on a simple observation: the best solutions emerge when deep domain expertise is fused with hands-on technical capability.
Our founding team has not only advised on but has actively built and scaled a national credit bureau from the ground up—processing millions of records weekly, achieving industry-leading Gini scores of 0.85, and implementing robust data privacy and governance frameworks.
We have presented in boardrooms to regulators and debugged dbt models in terminals at 2 AM.
This dual perspective is the foundation of our firm and shapes everything we do.
Leadership & expertise
Asad Mumtaz
Founder & Principal Consultant
A rare blend of financial domain expert and data leader who has operated at the intersection of risk, data, and technology for over 15 years.
Chief Data Officer, Bayan Credit Bureau
(2018-2025)
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Led a team of 15+, managing data from 50+ providers and millions of weekly records.
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Achieved a 95.6% data quality index through 200+ automated DQ rules.
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Delivered a production ML bureau score with a Gini of 0.85 covering all corporate entities.
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Implemented a comprehensive data privacy and governance framework.
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Built a Power BI suite that served as the primary decision-making channel for the C-suite.
Lead Data Scientist, Spectral Labs
(2021-Present)
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Designed and built an event-sourced analytics stack using dbt, ClickHouse, and Python.
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Shipped production ML models for credit scoring and complex risk assessment.
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Pioneered the use of Generative AI agentic workflows for trading and research.
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Integrated on-chain and off-chain data for blockchain analytics.
Credit Ratings Leadership, Equifax Australia
(2013-2017)
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Served as lead analyst and committee chair for 100+ entities.
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Developed advanced rating methodologies incorporating rigorous stress testing.
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Gained deep sector expertise in telco, utilities, property, transport, and construction.
Our methodology: The Finlytics Framework
Our approach ensures we deliver value quickly, safely, and sustainably.
Discovery and roadmap
(Weeks 1-2)
We don't start with data or technology. We start with the decision you need to improve.We rapidly map your landscape, identify quick wins, and assess technical readiness.
Deliverable: A 90-day roadmap with a week-by-week execution plan.
Proof of value
(Weeks 3-10)
We build the smallest thing that proves the concept and delivers tangible value, whether it's a challenger model for a specific segment, a governed pipeline for a critical dataset, or a single decisioning application that gets used immediately.
Key principle: We ship working, production-ready code every week, not PowerPoint presentations.
Scale and sustain
(Weeks 11+)
We make it real with the critical, unglamorous work: monitoring, alerting, runbooks, documentation, and knowledge transfer. We then systematically expand the solution and help you build the internal capabilities to own and operate it.
What makes us different
Outcomes over outputs
We measure our success by the impact on your key metrics — be it approval rates, decision TAT, or portfolio performance — not just by the number of dashboards delivered or models built.
Builders, not just advisors
We write the code, configure the platforms, and debug the pipelines. Our strategic recommendations come with implementation included.
Risk-native, tech-fluent
We speak both languages fluently. We can explain population stability index (PSI) drift to your risk committee and event sourcing to your engineering team.
Fast but not reckless
We deliver in weeks, not quarters — but always with the proper controls, testing, and documentation required for enterprise systems.
Knowledge transfer is standard
We aim to build your capabilities, not create dependencies. Every engagement includes enablement, documentation, and upskilling for your team.
Our values
Intellectual honesty
We will tell you if AI/ML is not the right solution for your problem. We will recommend a simple business rule over a complex model when it's the more effective and pragmatic choice.
Pragmatic innovation
We use cutting-edge technology when it adds measurable value and proven patterns when they are the right tool for the job. We have no technology religion.
Transparent delivery
You can expect weekly demonstrations of working software and clear, comprehensive documentation. We do not build black boxes.
Sustainable solutions
If your team cannot confidently maintain and evolve the solution after our engagement, we have not succeeded.
Chief Data & Analytics Officers (CDO/CDAO)
Chief Risk Officers (CRO) & Heads of Credit
Chief Information & Technology Officers (CIO/CTO)
Heads of Data Engineering & Enterprise Architects
Key roles we support
Banking & Financial Services
Retail, commercial, and digital-native banks
Non-Bank & FinTech Lenders
BNPL providers, digital lenders, and microfinance institutions
Data & Credit Infrastructure
Credit bureaus, rating agencies, and RegTech providers
Other Regulated Sectors
Insurance, utilities, and telecommunications
Primary industries
Who we help
We partner with data and risk leaders in complex, regulated, or data-intensive industries to solve critical challenges.
Our footprint
Geographic presence
Global Reach
We have successfully delivered projects globally through our remote-first model, with on-site sprints for critical project phases
Primary Hubs
Australia (APAC)
KSA (MENA)
Why clients trust us
Domain authority
We have designed, built, and operated the very systems we now consult on, including national credit scoring programmes, bureau-grade data platforms, and production AI/ML systems at scale.
Technical excellence
We don't just recommend — we implement. Our teams write production code, configure cloud infrastructure, build data pipelines, and deploy machine learning models.
Business impact
Our work is designed to drive measurable outcomes, such as increased approval rates, reduced decisioning time, improved portfolio performance, and enhanced regulatory compliance.
