Built from real casework
Creditspective grew out of underwriting, valuation disputes, restructurings, and workouts, not a generic software model.
The humans behind the judgment.
Creditspective was built by credit veterans who have made billions of dollars in credit decisions across multiple cycles. It turns their accumulated judgment into institutional memory the whole firm can apply to find alpha and pursue stronger returns.
John KellerTreasurerFinancial strategy, governance, and relationships across institutional banking.LinkedIn ↗
Craig R. SchmidtSenior AdvisorSenior guidance across credit markets, risk, and institutional adoption.LinkedIn ↗
Tom KramerCEOCompany strategy, institutional partnerships, and the product vision.LinkedIn ↗
Anurag JainPrincipalCredit analysis, product execution, and client delivery.LinkedIn ↗
Christopher RiggCTOPlatform architecture, engineering, and applied credit intelligence.LinkedIn ↗
“Institutional memory turns the judgment earned across every cycle into an advantage the whole institution can use.”
Experience across cycles
Good markets can hide weak decisions. Experience across disruptive cycles shows what holds up when conditions change.
Institutional memory that stays
Decisions, rationale, terms, and outcomes remain available to every team, deal, and review instead of leaving with the people who lived them.
Tom Kramer brings more than three decades in leveraged finance, underwriting, transaction structuring, and investment management. He founded and scaled two multi-billion-dollar credit platforms, raised and managed more than $12 billion, led leveraged finance at ABN AMRO, and built a credit-analysis technology platform.
John Keller brings more than 30 years of leadership across global financial services. He has led major financial-services practices, advised some of the world’s largest banking organizations, and brings deep experience in regulatory matters, operating-model transformation, finance, risk, and controls.
Craig R. Schmidt brings more than 40 years of credit-risk management and credit-review experience. His work spans credit governance, portfolio-risk assessment, Basel-aligned rating models, and regulatory engagement through senior roles at CIBC Bank USA, The PrivateBank, LaSalle Bank/ABN AMRO, and Continental Bank.
Christopher Rigg has led technology and data transformation across capital markets, wealth management, corporate and investment banking, and payments. His career includes senior roles at Sutherland, EY, IBM, Bank of America, and Accenture, advising financial institutions on advanced analytics, AI, risk, profitability, and client experience.
Anurag Jain brings more than two decades at the intersection of financial-services risk, data, and emerging technology. He has built AI-powered investigation and risk platforms, led cloud and analytics programs, and held senior roles at TransUnion, KPMG, Thomson Reuters, and MetricStream.
External perspective
Advisory Board
Our Advisory Board brings senior credit, banking, and technology experience to challenge our thinking and keep the product grounded in how institutions work.
Creditspective’s Advisory Board is independent of Global Economics Group’s advisory board, though some members serve on both.
Advisory board
Edgar Ancona
Former CFO, North America and Asia Pacific, HSBC
Edgar Ancona brings a 40-year career in finance, treasury, and risk management at global financial institutions, including senior executive roles at HSBC as CFO for North America and Asia Pacific and Treasurer of HSBC Finance. He earlier served as Treasurer and Head of Strategy at Household International and spent 16 years in treasury and capital markets at Citibank.
Advisory board
Dave Kucera
Former Head of Financial Institutions Group, Capital One Securities
Dave Kucera spent over a decade at Capital One, where he led the Financial Institutions Group for Capital One Securities and the Commercial Bank and served as Chicago Market President. He previously co-founded and led the U.S. Securitization Group at BMO Capital Markets, which provided and agented more than $100 billion in corporate and structured credit.
Advisory board
Kim Prado
Financial services technology and capital markets executive
Kim Prado has led technology, data, product, and regulatory platforms across BMO, RBC, Mizuho, and BrokerTec/ICAP. Her work spans capital-markets modernization, cloud data architecture, regulatory reporting, and AI-driven client intelligence.
Advisory board
Jim Walsh
Former Head of Corporate Development, BMO Financial Group
Jim Walsh is a corporate development and banking executive who led more than $35 billion across over 60 strategic transactions at BMO. His experience spans M&A, asset securitization, capital allocation, portfolio strategy, and corporate governance.
Resources
Our thinking on credit intelligence.
Beyond the Chat Window and the Point Tool
Why general assistants and single-function tools fall short on credit expertise, workflow automation, data security, and institutional knowledge.
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Institutional Memory, Made Visible
How structured deal history helps firms apply past successes and failures, codify risk discipline, and sharpen credit underwriting.
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Built to Evolve — How Creditspective Is Designed to Get Stronger as AI Gets Smarter
How a model-agnostic architecture, institutional memory, and full-lifecycle coverage create a credit system that compounds over time.
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