Our core belief
Millions are excluded from the credit system due to incomplete data or systemic bias, not because they lack true creditworthiness. We believe there is a solution to this.
Who we are
Sphera Credit is the company building that solution. We create technology that allows lenders to safely increase originations by seeing the complete picture.
How we do it
We build AI agents that supply lenders with the missing data points required to underwrite with confidence.
Leadership
CEO
Joseph holds a bachelor's in finance from McGill University. He previously worked at Passage, where his work focused on building the underwriting and loan operations designed to finance international students who lacked traditional credit data.
CTO
Uriel holds a bachelor's in industrial engineering and a master's in applied mathematics with a specialization in predictive machine learning. He previously served as Head of Growth at Billdr, where he built the company's automation and analytics infrastructure.