The Engine Room – From access to understanding: Open Banking data in real lending decisions

Nimeshh is CEO of Wrisk Group, Atto’s parent company, and has been part of the business since its inception. He brings more than 20 years’ experience building and scaling global, data-led and high-volume transactional businesses, with senior roles at BuzzFeed, Drawbridge, AOL and ABN AMRO. His experience spans technology, data, commercial growth and business transformation.

Within the group he leads Atto, Wrisk’s financial intelligence business for banks and lenders. Atto reads how a household’s or a business’s money actually moves, across every account and any data source, and turns it into the intelligence a credit team needs at each decision: whether to approve, how much to extend, on what terms, and when circumstances change after the money is out, with every insight traceable to the transactions behind it. Its intelligence sits inside the decisioning of UK lenders across consumer, SME, motor and property finance.