Atto

Atto, formerly known as DirectID, is a global fintech specializing in credit risk, risk analytics, and predictive modeling. They use real-time transaction data derived from open banking connections to provide lenders with deeper insights into borrower's spending, saving, and earning habits. This allows lenders to make more informed and confident decisions, build more accurate models, and ultimately create more profitable portfolios.

Atto is a pioneer in open banking technology, having built the world's first AISP integration. Their team of credit risk specialists, data scientists, tech builders, and product managers are passionate about improving credit and risk processes for businesses and consumers alike. The company's comprehensive solutions include a guided user-interface for capturing consent and connecting to bank accounts, Data APIs for accessing and integrating bank statement data, a data dashboard for real-time insights, and a suite of products like affordability and income verification.

Atto offers a flexible work environment, prioritizing work-life balance for its employees. This is highlighted by a team member quote stating that working for Atto has transformed their work-life balance. Although specific details about the type and extent of flexibility are not provided, the emphasis on work-life balance suggests a company culture that encourages and supports flexible work arrangements.

Atto's mission is to create a more predictable future for lenders by providing them with real-time insights into the financial behaviours of borrowers through open banking data. Atto aims to empower lenders with accurate and timely information to make more confident decisions, generate more accurate predictions, and build more profitable portfolios, ultimately contributing to a fairer and more efficient credit risk process.

Atto promotes a culture of innovation, flexibility, and collaboration. They are passionate about building a fairer and more efficient credit risk process for businesses and consumers. Their team of credit risk specialists, data scientists, tech builders, and product managers work together to push the limits of credit and risk decisioning. They also prioritize employee well-being, offering flexible work arrangements and fostering a growth mindset.

Atto is committed to building a diverse, equitable, and inclusive workplace where everyone feels valued, respected, and empowered to contribute their unique perspectives. They foster a culture of open communication, respect, and collaboration where individuals from all backgrounds feel welcomed, supported, and able to reach their full potential.