World Class Lending Solutions for Financial Institutions

2OS is a boutique credit advisory firm that provides credit risk consultancy services for clients ranging from top 10 banks to financial technology startups throughout the world. Our credit experts use groundbreaking data analysis and modeling techniques to deliver superior economic outcomes and sustainable competitive advantages for our clients.

We Serve All Phases of the Lending Lifecycle

Customer Acquisitions

  • Custom marketing & underwriting models
  • Credit policy
  • Valuations models
  • Loss forecasting
  • Pricing strategy
  • Marketing channel optimization
  • Marketing & underwriting testing strategy

Customer Management

  • Custom risk models
  • Credit limit increase / decrease
  • Valuations models
  • Retention
  • Inactive strategy
  • Cross sell
  • Customer management testing strategy

Collections & Recoveries

  • Contact strategy optimization
  • Digital collections strategy & turnkey execution
  • Customized treatment streams
  • Targeting models
  • Operational re-design

Fraud Strategy

  • Custom fraud models
  • Fraud rule design
  • Digital authentication strategy
  • Fraud decision frameworks
  • Operational re-design
  • Contact strategy optimization

Industry Perspective

Get a detailed look into what we’re currently seeing across the industry and how we continue to solve some of the world’s most challenging credit problems for our clients.

Our Experts

Our team is made up of some of the best business analysts and data scientists in the world. We strive to create a collaborative, high performing environment that promotes rapid development for our people while consistently delivering amazing results for our clients.


Andy Zhong

“Working at 2OS offers a unique and enriching experience that I value deeply. Being part of a team that values everyone’s contributions and fosters both personal and professional growth is truly special.”


Erin Hensien

“We have an amazing team of people who are eager to share their time and expertise to contribute to each other’s growth and success. Knowing I have a highly skilled and supportive team in my corner has encouraged me to fully embrace the opportunities 2OS presents, allowing me to champion my own work and challenge myself in roles that are aligned with my professional growth.”


Elizabeth Mejia-Ricart

“Upon joining 2OS, I was pleasantly surprised with the amount of agency and opportunity to showcase my data science right from the get-go. My favorite part about working here is the great development opportunities I encounter in every project. I always feel like I am pushing myself to become a better analyst, mentor to others and working towards my career goals.”

2nd Order Systems
Arlington Office
Syed Raza

Syed Raza

“I love working at 2OS – it’s a unique place where I can apply and hone both my technical chops and communication skills. I enjoy the challenges & creative problem-solving that come with working for clients from across the financial industry. I really appreciate the collaborative environment and the strong community here at 2OS.”