At Global Analytics, we use the power of analytics to fundamentally change the way people do business with the underbanked. Combining superior analytics, clear strategic thinking, and top-tier talent,we have a proven ability to create innovative, affordable credit products that serve our customers respectfully and responsibly.
Better underwriting benefits lenders and borrowers alike. We invest our analytical horsepower toward ensuring that we have the most accurate underwriting available, keeping the cost of borrowing as low as possible for those for whom it matters most.
Ours is the first platform to employ Adaptive Data Fusion™ – used historically for advanced scientific applications – to transform complex streams of data from multiple sources into meaningful inferences. Because each customer transaction is inherently different, involving a unique purchase, unique variables and a distinct point in time, our platform produces superior results underwriting on a per-transaction basis rather than underwriting based solely on the individual.
Our platform gets smarter and more experienced with new data. With over a million transactions already under our belt, the our engine is the smartest around – combining billions of pieces of structured and unstructured data, built by the same people who developed the fraud detection system protecting over 2 billion credit cards worldwide.
workpays.me is an e-Commerce platform that promotes financial wellness and enables individuals to make quality-of-life purchases through hassle-free deductions. Individuals have the opportunity to purchase thousands of name-brand products and services with the flexibility to pay over time through direct or payroll deductions.
Perchline is a company-provided employee benefit available in the United Kingdom that offers branded products at competitive prices. With flexible financing options, customers can make purchases with manageable payments that are automatically deducted from their pay.
Lending Stream provides four to six-month emergency term loans with instant decisions and same-day cash through the internet or mobile devices. Since 2008, Lending Stream has grown to become one of the top five short-term online lenders in the United Kingdom.
Our team is global, stretching from the California coast to the heart of Chennai. We enjoy our diversity, and are bound together by a culture of innovation, intellectual rigor, mentorship, openness, humility and humor. When we built Global Analytics, we knew that we wanted the power of our technology to be used to do something meaningful and positive. As we’ve grown, we’ve used these principles to guide our vision:
We believe in a culture that solves tomorrow’s high-value problems creatively, strategically and in a way that leverages our analytics advantage.
We’re committed to growing our talent with deep mentorship, and giving them opportunities to step up to big challenges, producing creative, effective leaders with rock-solid business acumen.
It’s not enough just to execute well. We believe in effective execution that responsibly and respectfully serves our customers.
We have grown into one of the most capable analytics companies in the world, with over 300 scientists, engineers and business analysts. Our initial vision has evolved to include a clear focus on building solutions that help consumers, merchants and lenders all share in the tremendous value that analytics can create.
Krishna Gopinathan and Purna Patnaik found Global Analytics as the first global company to have analytics operations in India.
US online lending with joint-venture partners begins.
Exit US joint venture with the top two performing portfolios in the industry; joint venture purchased by Stephens’ private equity arm.
Lending Stream online lending business goes live in the UK.
Global Analytics receives first institutional investment.
Our 250th employee joins the company.
Lending Stream serves its 100,000th customer.
Global Analytics launches its new global brand: Zebit.
Delhi office opens.
We made our 700,000th loan.
workpays.me joins the Global Analytics family of brands.
Wisteria Camrose House
2A Camrose Avenue, Edgware
Middlesex HA8 6EG
SAN DIEGO, USA
4250 Executive Square, Suite 101
San Diego, CA 92037
2200 Renaissance Blvd, Suite 170
King of Prussia, PA 19406
Pacifica Tech Park,
101A, First Floor,
23, Old Mahabalipuram Road, Navallur,
Chennai, India – 603 103
Plot No.1 (7th Floor), Sector 16-A
Film city, Noida – 201 301
Our offices in San Diego, Philadelphia, Delhi, Chennai and Greater London give us presence around the globe, enabling us to grow a business independent of location and time zone.