Karus

???? Introducing KarusGPT – the first-ever large language model (LLM) designed exclusively for consumer auto lenders! Just like ChatGPT, but tailored to meet the needs of the auto lending industry, KarusGPT is your new partner in harnessing actionable intelligence to make more informed decisions in a rapidly evolving market. Whether you're digging into single-layer queries, multi-layer analysis, or uncovering key insights for better strategic decisions, KarusGPT has you covered. ?? Sample questions you can ask: - What is the range of the lowest quartile for PTI (Payment-to-Income) on declines over the last week? - What’s the average LTV for approved applications with Toyota as the requested make? - What caused the weighted average credit score to decrease over the last month? KarusGPT empowers auto lenders to get real-time, data-driven insights, revolutionizing decision-making. ?? Ready to unlock the future of auto lending? Let’s talk. ?? #KarusGPT #AutoLending #AI #Innovation #ConsumerFinance #TechForLenders #LLM #DataDriven #Fintech

?? What if private credit investor & lenders could mitigate risk and fraud while unlocking high-quality auto loan investment opportunities? ?? At Karus, we do just that. By focusing on originator partners with strong dealer relationships, the Karus Platform reduces adverse selection and fraud, transforming private credit capital allocation in the auto finance industry. ? Through these trusted partnerships, we ensure that investors have access to high-quality loans and a transparent, risk-managed process, helping to unlock value and drive smarter investment decisions. Our approach not only builds stronger, more reliable portfolios but also ensures that investors can confidently navigate the complexities of the auto finance market with less exposure to risk and fraud. ?? Let’s connect to explore how Karus can elevate your investment strategy! https://karus.ai/contact #privatecredit #ABF #consumerauto #autoloans #originations

At Karus, we’re revolutionizing how private credit investors source, underwrite, price, and manage high-performing auto loan portfolios with our AI-driven platform. Our comprehensive tools streamline every step of the investment process, from identifying opportunities to risk assessments and pricing, all backed by real-time data and seamless integration across the value chain. If you’re a private credit investor looking to optimize direct lending underwriting efforts, directly acquire whole loans from community-focused originators at scale, or manage your portfolio with cutting-edge solutions, let’s connect: https://karus.ai/contact #assetbasedfinance #privatecredit #consumerauto #ABS #autoloans

Join us for an exclusive and casual meetup tailored for private credit investors. This gathering offers a unique opportunity to dive into the latest trends and opportunities in the consumer auto credit space, while connecting with like-minded professionals in an informal and collaborative setting. Key Details: ?? Date: Tuesday, January 14th ?? Time: 5:00 PM ?? Location: Whiskey Trader (Midtown NYC) ?? RSVP by: January 9th Discussion Highlights: - Auto ABS Trading: Gain insights into secondary market trends and pricing dynamics. - Auto Loan Portfolio Purchases: Explore the potential of bulk acquisition opportunities. - Whole Loan Buying: Discover strategies for navigating direct originator access and structuring deals effectively. Whether you’re actively investing or looking to explore new strategies, this meetup is designed to provide actionable insights and foster meaningful connections in the private credit space. We look forward to seeing you there!

As Loris Nazarian of Oaktree Capital Management noted in Bloomberg’s recent article: "The fundamental model of a bank is changing from lending to earn a return to lending to make fees and attract deposits, and I don’t think that paradigm shift is changing anytime soon." This shift presents an enormous opportunity for private credit firms to fill the gaps left by traditional lenders. The private credit market, poised to capture a $40 trillion opportunity, is expanding beyond corporate lending into areas like consumer loans and asset-backed finance. At Karus, we are proud to be at the forefront of this transformation. Our platform empowers private credit investors to acquire consumer auto loans at the point of sale, directly from originators like regional banks and credit unions. By leveraging cutting-edge technology, we simplify access to high-yield auto loans, helping investors diversify and scale effectively. As banks move toward fee-driven models, private credit firms are stepping up to meet demand with innovative, direct-originated lending solutions. Karus bridges this gap by delivering actionable opportunities for private credit investors in the growing consumer auto loan market. The paradigm shift in lending is here—and Karus is helping private credit investors lead the way. ?? #PrivateCredit #Fintech #Karus #AutoLoans #Innovation https://lnkd.in/gTbt_iAG

?? Auto ABS Market: Rising Delinquencies, Rising Demand ?? Despite an uptick in car-loan delinquencies, investors are turning up the heat in the auto asset-backed securities (ABS) market, with a sharp 17% increase in sales year-over-year. Investors remain optimistic, betting that a robust U.S. economy will keep rising delinquency rates under control. At Karus, we provide best-in-class forecasting vectors via our add-in on INTEX to help investors, ratings agencies, and underwriters navigate this dynamic space. With our powerful tools, we equip you with the insights needed to make informed decisions in the auto ABS market—whether you're looking at subprime loans or the riskiest tranches. As we continue to see deals oversubscribed by up to 20 times, our advanced analytics ensure that investors can manage risk and seize opportunities even as challenges like rising delinquencies persist. ?? Stay ahead of the curve—connect with Karus for unparalleled forecasting solutions that optimize your auto ABS investment strategy on INTEXcalc #AutoABS #Investing #Karus #RiskManagement #INTEX #Forecasting #AutoBonds #Finance #InvestorInsights https://lnkd.in/g5_zwNrS

?? Exciting News from Karus! ?? We’re thrilled to announce that our forecasting add-in on Intex Solutions, Inc. is getting a major upgrade! Very soon, new features will be integrated into our forecasting models that will enhance your Auto ABS diligence and analytics efforts. ?? What’s New? ?? - Macro Economic Features: We're adding essential indicators such as the unemployment rate, federal funds rate, Manheim index, and inflation expectations. These enhancements aim to improve model accuracy and provide deeper insights. - Delinquency Rates: Our models will now incorporate 30+, 60+, and 90+ delinquency rates at each time step, giving you a more comprehensive view of deal performance. Are you ready to supercharge your analytics? Reach out today for complimentary trial access and experience the benefits of these powerful new features! Curious to see how our add-in works? Below are quick videos showcasing some our add-in functionality on INTEXcalc that you might find useful: - Using Karus Ramps, Single Deal: https://lnkd.in/gxADjPXK - Using Karus Ramps, Portfolio Layout: https://lnkd.in/g8UwQYyU - Using Karus Ramps, Historical Scenarios: https://lnkd.in/gvhNxdu3 #AutoABS #Analytics #Karus #Forecasting #INTEX #Innovation #DataDriven

? Lenders, wondering if your underwriting strategy is top-tier or if a challenger model could boost your efforts? ?? Discover how Karus' challenger model provides industry-leading benchmarking, proprietary risk scores, loan-level cash flow forecasting, win-rate predictions, and unlimited loan structuring for comprehensive callback comparisons with your dealer partners! ?? Let's connect: https://karus.ai/contact

???Unlock the Secrets of Successful Entrepreneurship!??? In the latest Consumer Credit Matters podcast, serial entrepreneur Aaron Travis shared a powerful insight: ?? "What are we building that someone will pay for? And then adding to what we built that someone will pay for. Trying to thread the needle between product build and customer launch." Don't miss out on the full-length Cosumer Credit Matters podcast where Aaron dives deep into the strategies behind successful startups. Aaron is now the CEO of Karus, a cutting-edge, tech-service start-up focused exclusively on the auto sector. Aaron and I dive deep into the data-driven strategies that are optimizing auto lending and explore the unique challenges and opportunities in today's economic landscape. ?? Watch or listen on any your favorite platforms: ?? Apple: https://lnkd.in/ehDfESgZ ?? Spotify: https://lnkd.in/eYjdmb8Z ?? YouTube: https://lnkd.in/efRPqPmx As always, thank you for your continued interest in consumer credit matters! #Entrepreneurship #consumercredit #auto

??? Mic'd up with with our partners at TransUnion! ?? Curious to learn more about synthetic fraud and its impact on consumer auto finance? ?? Dive into the latest Karus podcast to hear industry expert Roy Christian share insights with Karus on this growing problem. Discover solutions to steer towards transparency and protection for both dealers and lenders ?? Listen here: Apple Podcasts: https://lnkd.in/gkKEpvgc Spotify: https://lnkd.in/g6sTrh_Y #fraud #consumercredit #autoloans #KYC #autolending https://lnkd.in/gCMGrsAe