Enable investors to access the world’ best originators and participate in today’s rapid tech-enabled disintermediation of the globally underbanked.
Utilize fundamental credit analysis, local partners, in-house software, and quantitative methods to identify the most attractive originators and assets.
Diversification and Discipline: Our portfolio is drawn from a broad loan segment and geographic mix, and is constructed to reduce exposure to any single country or risk factor.
OUR INVESTMENT PROCESS
Marketplace Loans sit at the intersection of traditional fixed income and Financial Technology (Fintech). This requires a balanced approach to assess the high-volume of loans and data behind them.
The qualitative half of our approach begins with fundamental credit analysis to identify key top-down factors such as macroeconomic, regulatory, and political conditions within each lending market. On an originator level, we leverage our network of local partners and on-site meetings to evaluate and assist the underwriting and collection processes of our partners.
Digital Mosaic's then utilizes software tools developed in-house to process and analyze data from the fragmented digital loan market. The partner team then applies quantitative and predictive intelligence methods within a disciplined investment framework to harvest risk premia for our investors.
- Emerging and developed market credit.
- Multiple credit sectors: sovereign, corporate, consumer and marketplace loans
- Quantitative Methods: predictive modeling, portfolio management, risk mitigation, monitoring and software analytics
Eugene Lee, CFA
Emerging Market Credit: 7 years
Portfolio Management / Trading: 10 years
MS Financial Engineering, BA Economics
David C. Hinman, CFA
Emerging Market Credit: 10 years
Structured Credit: 9 years
Portfolio Management / Trading: 23 years
BS Corporate Finance and Investment Management, MBA Finance and Accounting
Illiquid Alternatives Funds: 5 years
New York Barred Attorney, JD
BA English Literature
Growth Hacker: 4 years
Fintech/Alternative Lending: 2 years
Fintech: 4 years
Credit Portfolio Management/Trading: 8 years
MS Financial Mathematics, BS Mathematical and Computational Science
Guanghua Cao, PhD
Portfolio Management / Risk Research: 5 years
PhD Applied Mathematics, MS Financial Engineering, BA Applied Math
Julian Le Philippe
Project/Program Management (Agile, PMP and Prince2 certified): 8 years
Digital Mosaic Capital was thrilled to attend the Terrapin Trading Show NYC today participating in the round table discussion “New horizons in alternatives – how is digital transformation creating new markets, products and investment opportunities?”. Hope you also enjoyed our seminar presentation on “Tokenization & tech-enabled alternative assets – what Read more about Digital Mosaic @ Terrapin Trading Show NYC[…]
Merely three years ago P2P lending in China was hailed as the bank of tomorrow and the harbinger of financial innovation. Powered by technology and ever burgeoning rounds of funding and valuation, P2P lending was set to disrupt financing the world’s 2nd largest economy dominated by state owned (or sponsored) banks. The new elites in Read more about The Chinese P2P Crisis and What Southeast Asia Can Learn From It[…]
The Many Faces of the P2P Secondary Market While online marketplace lending (MPL) has experienced nearly continuous growth in its investor and originator base over the past decade, the lack of liquidity and secondary market trading options remains one of the key hurdlesto broader adoption across investor segments. Fortunately, a growing number of players have Read more about Marketplace Loan Secondary Markets: Path and Hurdles to Commoditization[…]
Introduction For many investors, the word ‘Blockchain’ is associated with words such as ‘distributed’, ‘transparent’ or ‘immutable’. But what does it mean for the peer-to-peer lending industry? Both peer to peer models and distributed systems have been around for a while (e.g. Ethernet and ARPANET were invented in the 1970s), and have already established the Read more about Will Blockchain Technology Bring P2P Lending 2.0?[…]
What Is Behind The Recovery Of A P2P Loan? Introduction P2P investors are attracted to the higher returns banks have enjoyed for decades but are often not sure if there is even a process around or protections against a default. We often hear investors ask what happens when a borrower defaults or what prevents Read more about The Anatomy Of A Consumer Loan Default[…]
The Arrival of Tech-Enabled Loan Origination in Emerging Markets In a little over a decade, the tech-enabled lending sector originally championed by the likes of Lending Club and Zopa has become a force in providing capital to consumers and small companies in EM. The recent Series C funding of Tala and Series B Read more about What The Recent Tala and Modalku Funding Rounds Tell Us[…]
Marketplace loans (MPLs), also known as peer-to-peer loans, are an exciting new asset class offering institutional investors and wealth managers a number of benefits not found in traditional fixed income products. However, because they are typically issued to retail consumers and private businesses, each loan is relatively small. For a manager looking to invest tens Read more about How to Access the P2P Market: DIY or Fund Manager?[…]
A version of this article appeared in Caijing on August 21, 2017. Why has fintech turned from disrupting banks to becoming banks? On December 28, 2016, Xinwang Bank opened for business. This is China’s third internet bank, and the first one in the Southwestern region. According to the official website, the bank is “jointly created Read more about From Disruption to Rebirth – The Emergence of Fintech Banking[…]
Marketplace loans (MPLs), also known as peer-to-peer loans, are an exciting new asset class that provides investors with a variety of benefits that are not found in traditional fixed income products. The MPL market has grown rapidly since the Great Recession, as post-crisis regulations have made it prohibitively expensive for banks to service many of Read more about Top Five Reasons to Invest in Marketplace Loans[…]
“The appointment boosts the marketplace loan analytics firm’s credit portfolio and platform due diligence capabilities.” NEW YORK, NY, August 30, 2017 /24-7PressRelease/ — LendingCalc, Inc., a direct investment platform providing global access to digital specialty finance for institutional investors, announced the appointment of Terry Tse, the former Chief Risk Officer of the leading Chinese P2P platform, Dianrong, Read more about LendingCalc Appoints Former Chief of Risk at Dianrong, Terry Tse as Adviser[…]