Forecast revenue.Quantify risk.Plan growth.Govern the decision.
Every portfolio decision moves growth, margin, risk, and funding at the same time. Cohort Brain brings all four into one governed decision framework — so you see the whole consequence before you commit, and defend it after.
Four teams. Four models.
One decision no one sees whole.
Finance forecasts the P&L. Risk models the losses. Growth plans the acquisition. Treasury prices the funding. Each team is right about its part — and the enterprise decision is assembled by hand, in a different tool each time, reconciled once a quarter. By the time the numbers agree, the decision has already been made.
One decision. One governed framework. Every consequence in view.
Cohort Brain holds the whole portfolio decision in one place. Growth, margin, risk, and funding are projected together, from the same assumptions, forward in time — and every number carries its lineage back to the inputs that produced it. Reconciliation stops being a meeting and becomes a property of the model.
The way portfolio decisions should actually run.
Each stage runs on the same cohorts, the same assumptions, and the same lineage — so the handoffs don't lose the thread.
Plan
Set growth, pricing, origination and funding intent — with Risk and Finance constraints visible in the same place.
Forecast
Project the full consequence forward by cohort and segment, under base and stressed conditions.
Performance
Measure actuals against plan and forecast, and explain variance through drivers — not "actuals differed."
Decision
Compare options, see the trade-offs together, and record the decision with its evidence.
Five portfolios.
Each modeled like itself.
The same decision framework, specialized for how each book actually behaves — not one template with the nouns swapped.
Credit Cards
A revolving book of balances, spend and lines.
BNPL
Short-tenor installments that turn over in months.
Term Loans
Amortizing loans with contractual yield.
Mortgages
A long book that lives and dies by renewal.
Deposits
The funding side of the balance sheet.
One forecast. Four lenses.
No reconciliation tax.
The CFO, the CRO, the Head of Growth and the Treasurer are looking at the same forecast — not four exports that have to be made to agree.
Every number traces back to the decision that made it.
Each forecast is a locked, versioned object: pinned inputs, recorded assumptions, reproducible on demand. Change a rate, a curve or a policy and the lineage shows exactly what moved and why. Defensible to your board, your auditors and your regulator — because the audit trail is a by-product of the work, not a project after it.
It looks obvious once the decision is whole.
Not a spreadsheet or a planning model.
Those fragment the decision across files no one can reconcile or reproduce. Cohort Brain makes the whole consequence one governed object.
Not a BI dashboard.
Dashboards describe what already happened. Cohort Brain projects the consequence of a decision forward — under growth and under stress.
Not an isolated risk model.
Risk in a vacuum can't price a growth plan. Cohort Brain connects policy and loss to pricing, acquisition and funding.
A decision is only as good as your ability to see its full consequence — and defend it. That's the whole product.
See your next portfolio decision
before you make it.
A focused working session on your portfolio — cards, BNPL, term loans, mortgages or deposits. No pitch deck. No sequence.