BETTER LENDING DECISIONS START WITH FORESIGHT
BankersLab combines nearly 15 years of simulation expertise with AI — from hands-on Workshops that build insight and test strategy to Command Center, which provides everyday AI-powered decision support.
Our expertise sits at the intersection of simulation, AI, lending, learning design, and innovation.
About
We simulate consumer, retail, and SME lending with forward-looking AI insights and recommendations.
AI-powered simulations deliver
forward-looking lending insights.
Who are We?
Who are Our Clients?
Any institution who lends money to individuals, small or medium enterprises. We enable incumbent banks, FinTechs and those new to lending to optimize and innovate their lending.
Timeline
2011 BankersLab Founded
2012 First Fortune 500 Client
2012 Selected to Demo at Finovate US
2014 CreditLab Wins Gold LearnX Award
2015 Official partner of the Asian Banking School
2015 Global Banking and Finance Award
2016 BankersLab Simulation Platform Patent Granted
2016 Selected to Demo at Finovate Europe
2021 Shift from model portfolios to digital twin simulation
2023 UltraFICO Simulation competition at FICOWorld
2024 Trended and Alternative Data simulation competition at FICOWorld
2025 InsightLab launched
2025 AI-enhanced simulation launched
2026 Command Center launched with implementations underway
Our Founders
Michelle Katics, CEO
A fintech founder who built a genuinely global company from a bootstrapped start, in a niche that many didn't see until the AI wave made the concept obvious. She is a mathematician and economist by training, a credit risk practitioner by profession, and an entrepreneur by necessity — having founded BankersLab in 2012 after recognizing, from direct experience at the Federal Reserve, the IMF, FICO, and Standard Chartered, that lenders needed practical ways to develop portfolio management skills short of making real mistakes with real portfolios.
Her combination of institutional pedigree (IMF, Fed, FICO, Standard Chartered), a genuinely global practitioner network, 15 years of simulation product refinement, and transparent, grounded AI thinking makes her a credible voice in lending AI. Read More
Kurt Gingher, CTO
Engineer, turned bank executive, turned entrepreneur. Kurt has 30 years of experience spanning signal processing, software development, and finance, with the last 10 years focused on quantitative analysis in the financial sector.
As VP of Analytics at HSBC (seconded to India), he trained and mentored a team supporting a $60B sub-prime mortgage portfolio, delivering insight and early warning indicators ahead of the mortgage crisis, while also driving model validation, synthetic securitization, loss forecasting, and collections analytics. As Head of Quants, he recruited and mentored HSBC's Asset Management Group quants in stress testing and portfolio simulation. At FICO, he led the shift from SAS-based analysis to a modern Java analytics platform, trained clients and staff on modeling and portfolio testing, and spearheaded early pilot projects for both internal teams and clients. Read More
Thought Leaders
Our founders, faculty, and facilitators are well-respected thought leaders in their fields. They come from globally recognized institutions:
Industry Experience
Our founders, faculty, and facilitators are well-respected thought leaders in their fields. They come from globally recognized institutions:
