Sigma Computing Consulting for Fintech and Specialty Lenders
Stop rebuilding vintage curves and investor tapes in spreadsheets every month. We build Sigma workbooks on Snowflake that give credit, finance and capital partners the same loan-level numbers.
The short answer
Where the Hours Go Today
- Vintage curves and roll rates are rebuilt in spreadsheets each month.
- Loan tapes for capital partners are cut and checked by hand.
- The application funnel and the servicing data live in different systems.
- Credit policy changes take weeks to show up in performance reporting.
Sigma Workbooks We Build
- Application Funnel and Approvals
- Applications, approvals, take-up and funded volume by channel, product and credit band.
- Vintage and Roll Rates
- Delinquency and loss curves by origination month, product and credit band, built on loan-level history stored by date.
- Delinquency and Collections
- Past due buckets, cures and charge-offs by segment, with drill paths to each loan.
- Capital Partner Reporting
- Loan tapes and performance reports for each warehouse lender or buyer, limited to the loans they fund and sent on a schedule.
Why Sigma Fits
- Loan-level detail without extracts
- Queries run in the warehouse, so analysts can filter and pivot every loan and payment in a spreadsheet grid.
- Each partner sees only their loans
- Row-level security and scheduled exports send each capital partner reporting limited to the loans they fund.
- Python next to the grid
- On Snowflake and Databricks connections, analysts can run Python in the same workbook for credit analysis.
Data We Connect
- Loan origination system
- Loan servicing system
- Application and decisioning data
- Payment processor data
- Collections platform
- General ledger
- Snowflake
Common questions
Is Sigma good for lending analytics?
Sigma fits lenders whose loan and payment data are in, or moving to, a cloud warehouse such as Snowflake, and whose credit and finance teams want loan-level detail in a spreadsheet-style view.
Can Sigma build vintage curves?
Yes. With monthly loan status stored by date in Snowflake, Sigma can chart delinquency and loss by origination month and months on book.
Can Sigma produce loan tapes for capital partners?
Yes. We build each partner tape on the same tables as internal reporting and schedule it as a file. CSV and Excel exports are capped at one million rows, and larger tapes go to cloud storage.
How long does a Sigma build take?
It depends on your origination and servicing systems, how much loan history you need and how many partners you report to. We scope it on a short call, starting with one report.
Bring the report that eats your week
We'll look at it with you and say what Sigma would save. No pitch deck.