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 spent 12 years at Nasdaq as Head of Financial Risk Management and Technology, where he also led the AI Governance and Risk Committee. He built Nasdaq’s proprietary credit risk system, developed real-time risk monitoring, and delivered advanced NLP applications that improved efficiency and strengthened risk decision-making. Earlier, he was a Risk Manager at Deutsche Bank (2008–2010), helping reduce exposure 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.
