Mission

<aside> 🎯 To compensate community members to write Credit Analysis Memos for upcoming borrower pools.

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Motivation

<aside> 👉 The Credit Analysis Grant program will help synthesize the data available to the community to evaluate borrower pools, further the decentralization of the protocol and strengthen the engagement of the Goldfinch community by compensating members for their contributions.

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Key aspects of the Credit Analysis Grant

<aside> 👉 COMMUNITY DRIVEN APPROACH

The Credit Analysis Grant is a community-led grants program to compensate community members to write Credit Analysis Memos for borrower pools. The first pilot of the Credit Analysis Grant (covering two upcoming borrower pools) was created after a community discussion, which can be found on Goldfinch's governance forum here.

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<aside> 👉 GOVERNANCE

A Credit Analysis Grant Committee made of three credit experts in the Goldfinch community has been established for the duration of the pilot.

• Azer Songnaba, AlloyX : Co-founder of AlloyX and experience doing diligence on Goldfinch borrower pools. Azer has deep experience with financial markets, in particular Credit. He has five years experience at Goldman Sachs and seven at Mastercard
• Gautam Ivatury, Almavest : Managing Partner of credit fund Almavest and a member of the Goldfinch Governance Council. He has two decades of experience as a startup founder and investor, with a focus on fintech
• Aaron Collett, Warbler Labs : Senior Credit Manager at Warbler Labs with experience investing across asset classes (private debt, private equity, venture capital), including at fintech credit fund Lendable and as a credit risk analyst at Goldman Sachs

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<aside> 👉 PROFILE OF GRANT RECIPIENT (“CREDIT ANALYST”)

The selection criteria to select the Credit Analysts include :

• 5+ years experience in debt underwriting, either direct investing or fund-of-funds
• Finance education background preferred
• Experience in senior debt investing in early-stage fintechs
• Experience in underwriting deals in emerging markets
• Outstanding written communication skills in English

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<aside> 👉 CREDIT MEMOS

Credit Analysts will leverage the data provided by borrowers data rooms to put together an analysis of the borrower pools. Each Credit Analysis Memo will be 2-3 pages long and will follow the same specific format. More detailed instructions will be shared with the selected Credit Analysts for the grant.

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