Our history
Our experience in advanced enterprise systems dates back to 2017-2019, when our founder, together with a summer intern in Data Science and a Columbia C.S. graduate, developed a scalable real-time news analytics web application for Nasdaq to monitor and filter credit-related news from a feed of 250,000 articles/day, using Natural Language Processing Technology from that time, and to 2012-2015, when he and his team developed Nasdaq's proprietary credit and counterparty risk management system, aggregating risk for 20,000 companies and investments to control credit risk and the parent company level, globally and across all businesses.
Our mission
Credit investing should be driven by credit insights, not fine print. Our mission is to give credit analysts the help they’ve long needed when working through 200+ page bond indentures as part of investment research and high-yield bond selection workflow.
Our AI-powered Covenant Intelligence Platform makes indenture review fast, accurate, and even enjoyable—so analysts can surface key covenant insights earlier in the workflow and make better-informed decisions with less manual effort.
Built for portfolio management and credit teams, the platform pairs leading commercial AI models with our uniquely curated bond indenture dataset to help users:
- search and query thousands of indentures by issuer name or CUSIP,
- build and manage CUSIP watchlists and portfolios,
- prioritize covenants by their potential value impact,
- bookmark, compare, and track covenants across deals,
- generate a covenant risk summary for your investment memos, accurately.
The result: analysts filter dozens of bonds based on covenants, early in the diligence — and you take control of your portfolio's covenant downside risk.
Our Founder
Mario Jiménez Gárate, Ph.D.
Our Founder and CEO brings 18 years of Wall Street experience and 10 years of scientific research to building practical, trustworthy AI for credit teams.
Mario worked 12 years at Nasdaq as Head of Financial Risk Management and Technology, where he led the AI Governance and Risk Committee. He and his team built Nasdaq’s global credit risk monitoring system, a bond-trading risk system, and a real-time filtered-credit-news application that improved risk surveillance and strengthened risk decision-making. Earlier, he was a Risk Manager at Deutsche Bank (2008–2010), helping quantify corporate CDO exposures during the global financial crisis.
He holds a Ph.D. in Physics from Columbia University, a B.S. in Physics from MIT, completed published research at the MIT Kavli Institute for Astrophysics, and studied Investments, Derivatives, and Risk Management at Harvard University.
Our Partners and Served AI Models
About CredX.AI
Who We Are
Our Approach
Our Approach
At CredX.AI (pronounced credex A-I), we believe investing should be driven by financial insight, not fine print. Yet corporate loan documents are long, complex, and notoriously opaque—and a single misunderstood clause can slash principal recoveries after restructuring.
That’s why we've built the Covenant Intelligence Platform: so analysts
At CredX.AI (pronounced credex A-I), we believe investing should be driven by financial insight, not fine print. Yet corporate loan documents are long, complex, and notoriously opaque—and a single misunderstood clause can slash principal recoveries after restructuring.
That’s why we've built the Covenant Intelligence Platform: so analysts can identify hidden covenant risks before they show up as losses. Our platform empowers hedge fund analysts to screen, compare, and select high-yield debt opportunities faster, by uncovering the hidden signals buried deep in loan contracts.
Our Approach
Our Approach
Our Approach
At CredX.AI, we surface covenant-driven downside risk early—so you’re not underwriting bonds that can legally extract value from your bonds to favor others. We achieve that by prioritizing data quality and AI accuracy from the start. Hedge funds demand powerful tools, high-quality data, and data privacy and security: and that's what guide
At CredX.AI, we surface covenant-driven downside risk early—so you’re not underwriting bonds that can legally extract value from your bonds to favor others. We achieve that by prioritizing data quality and AI accuracy from the start. Hedge funds demand powerful tools, high-quality data, and data privacy and security: and that's what guides our true north. The CredX AI Covenant Intelligence Platform combines expertly curated datasets with the best AI models on the market to up-scale covenant diligence earlier in your credit selection workflow.
We can also align with your unique processes and goals— customizing our solutions so you can invest with confidence.
Our Team
Our Approach
Our Team
CredX.AI was founded by Wall St credit risk quants with deep experience in enterprise systems and data science. We value integrity and are passionate about delivering the next generation of AI-powered terminals. We are committed to providing high quality bespoke solutions and services to our clients. Our founder created Nasdaq's enterpr
CredX.AI was founded by Wall St credit risk quants with deep experience in enterprise systems and data science. We value integrity and are passionate about delivering the next generation of AI-powered terminals. We are committed to providing high quality bespoke solutions and services to our clients. Our founder created Nasdaq's enterprise credit risk management system, an intelligent credit news analytics application, and custom algo-trade monitoring systems, so fintech innovation is in our DNA.