Riskbite

Riskbite (Riskbite Sp. z o.o.) is a Polish credit risk analytics and fintech risk management platform company founded in 2019 and headquartered in Warsaw, Poland at Pulawska 2. The company's technology stack leverages machine learning, mathematical optimization, API-based model deployment, and integrations with Polish credit bureaus including BIK, CRIF, and ERIF as well as AIS gateways. Geographically, the company primarily serves the Polish market with some engagements extending to other regions.

The company was founded by Dawid Pruchniewski (CEO) who previously spent a decade at BIK, Poland's largest credit reference agency, and Pawel Kindziuk (CRO), a veteran risk manager with over 20 years in banking and fintech. Riskbite serves a range of fintech lenders and financial intermediaries with notable clients including Autokapital, Fingo Capital, Minicredit, 5in5, Hive5, WeNet, Finelf, and FinGO. The company's specific services include custom predictive model development, credit scorecard construction using bureau, open banking, and application data, profit optimization with action-effect modeling, decision flow automation with cascades and cut-off management, data enrichment via credit bureau and public registry APIs, transaction labeling and affordability calculations, anti-fraud criteria implementation, and portfolio profitability analysis.

The company is privately held, founder-owned, and employs 11 to 50 professionals with approximately PLN 956,210 ($240,000) in annual revenue for FY2024. Riskbite delivers a cloud-based decision engine alongside services in profit modeling and optimization, advanced credit score development, bank statement enrichment via PSD2/open banking, lead scoring for intermediation, and portfolio performance reporting. Riskbite serves the financial services, fintech lending, consumer finance, banking, and buy-now-pay-later sectors across Poland.