Creditscript History

We were founded in 2016 by a group of programmers, financiers, data scientists and mathematicians, with a defining mission to re-engineer the technology used by asset managers of diversified credit portfolios.
Our primary goal is to develop investor solutions to help professional investors assess loans and portfolios originated by online marketplace lenders. Asset managers are increasingly seeking out ‘software as a service’ technology solutions to help them differentiate between a growing number of loan originators and an overload of disparate loan data. Our secondary goal was to develop originator solutions to help to originators present harmonised data to the investment community and maximise their origination capability. This also helps originators active in securitisation to comply with the disclosure and transparency requirements under the EU Securitisation Regulation, the US Dodd Frank Act and SEC ABS II Regulation as loan originators are required to disclose larger, more detailed data tapes and ongoing performance files.
Our solutions provide the latest technology and analytics solutions to assess price and monitor large financial portfolios of loans (consumer, student, SME, auto and mortgages). Our Company was formed to address this increasing demand for big data analytics, with real time portfolio and risk intelligence to make better and more informed decisions. Our solutions are built upon the belief that superior returns start with superior technology. We are helping our clients deliver the alpha in their daily performance and understand and monitor their risk in real time.
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Our team

Justin Farr-jones


Justin is currently CEO of CreditSCRIPT. He has been active in credit, private equity and portfolio management for the past 17 years, working with numerous portfolio companies at board level leading Acura Capital’s investments in private equity, credit and real estate asset management since 2013.

Prior to Acura Capital, Justin was a Director of Renaissance Partners, a $1.5 billion Emerging Markets Private Equity Manager based in London where he held Board positions of Non-Exec Chairman at Beacon Hill Resources, leading the turnaround and restructuring efforts of the London listed coal miner and the successful exit of Renaissance Partners and Renaissance Africa Fund. At Renaissance, he was also involved the setup of the Luxembourg UCITS platform, Blue Financial Services restructuring and investments in TrustCo and SSA.

Prior to Renaissance Partners, Justin was a founding partners at Clearbrook Capital, where amongst other transaction he was responsible for Harbourmaster Capital, a US$13 bilion CLO asset manager that acquired by GSO, the global credit platform of Blackstone (NYSE:BX). He has prior capital markets experience with WestLB Principal Finance, Barclays Capital and JP Morgan Chase and has participated in investments or capital raisings in excess of EUR 2 billion including the securitization of whole business, real estate and consumer financial assets.

Justin holds a BA (Hons) Finance from Nottingham Business School.

Michael arnaldi


Michael is CTO of CreditSCRIPT. He has been active in the fin-tech industry for the past 5 years and has a strong background on full-stack development in the field of scalable and highly available financial applications. His personal goal is to improve the financial industry and he is also co-founder and CTO of MyMonexEx a London-based Blockchain-focused platform. Michael is enrolled in Computer Science faculty, University of Pisa.

Aisha Sudally


Aisha is the Head of Portfolio Risk Solutions at CreditSCRIPT. She is responsible for the portfolio credit risk analysis and risk management. Previously auditor at BDO&Co and Deloitte&Touche based in Abu Dhabi, UAE. She has worked on several due diligence and audit projects for listed banks including Finance House with a loan portfolio of USD 1.3 Bn and Abu Dhabi Islamic Bank with a loan portfolio of USD 20 Bn.

Aisha is a Fellow Member of Assoc. of Chartered Certified Accountants, completed CFA Level 1 and member of Imperial College London Global MBA program. She is also an active member of the Institute of Directors in Mauritius.

Avrish Gooranah

Quantitative Developer

Avrish is the Quantitative Developer at CreditSCRIPT, where he is responsible for developing credit models and testing algorithms. Prior to Acura, Avrish was a Junior Trader on the Index Arbitrage trading team at Susquehanna International Group, a leading proprietary trading firm based in the US.

Avrish holds a 1st class Honors degree in Natural Sciences and an MMath from the University of Cambridge (UK).

Anais Agustee

Junior Developer

Anais is the junior developer at CreditSCRIPT. She graduated from Curtin University in November 2016 with a BCom Double Major in Business Information Technology & Systems.

She has previously worked with New Edge Solutions, an IT Business Solutions provider in Mauritius, and has led a university project for the development of a loan calculator app for the State Bank of Mauritius.

Our Investors

Acura Capital

Acura Capital is a global investment firm focused on private equity and structured credit founded in 2013. Headquartered in Mauritius, it is regulated by FSC Mauritius and is a member of AIMA, the Alternative Investment Managers Association. Acura Capital advises and deploys capital in a wide range of asset classes and sectors, seeking superior risk adjusted returns.

CreditSCRIPT is a technology services provider. We do not provide investment advice,  financial planning services, legal or tax advice. CreditSCRIPT is not affiliated with  Prosper or Lending Club. Using this website and our services requires you to accept our Terms of Service and Privacy Policy.
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CreditSCRIPT is a registered trademark and trading name of CreditSCRIPT Holdings Limited. All rights reserved.