Our Approach

On an operating basis, we leverage data, machine learning, and sophisticated statistical modeling to lower costs and increase efficiency in consumer lending. These cost savings allow us to offer more favorable interest rates to borrowers and returns to investors.

Our Story

Over the past 20 years, our team has defined marketing and credit risk management best practices for the subprime consumer lending industry. During this time, we have successfully grown 30+ subprime portfolios to 100 times larger than their original size.

Meet the Team

Octane Systems core advantages lie in our leadership team’s extensive industry experience and use of cutting-edge technology for marketing, underwriting, scoring, and loan management.

JP James


Hemant Butti


Rithika Gaddam


Tina Thomas


Michael Schwartz

Compliance & Strategy

Desiree Davis


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Learn more about Octane Systems.