Randy Roth

Background

About Randy Roth

As CEO and Co-Founder of Ooblix, my mission is simple: replace outdated credit scoring systems with real-time, dynamic models that reflect how people actually live, spend, and repay. Today, we use first-party data, to build financial personality profiles — and make smarter, fairer credit decisions for borrowers underserved by legacy models. At the heart of our platform is the Behavioral Reasoning Model (BRM), an AI engine that learns from every transaction, adjusts daily, and predicts repayment behavior with remarkable precision. Our system powers dynamic lending decisions, segments customer intent, and unlocks access for people traditional credit systems miss entirely. We launched by financing youth sports — a high-emotion, high-commitment vertical where families consistently demonstrate willingness to pay. The data we’ve collected, and the behaviors we’ve mapped, have opened the door to expanding into unsecured loans, rental risk scoring, insurance modeling, and eventually full-scale B2B behavioral APIs. I’m product-driven. I’m execution-first. And I believe the future of finance belongs to those who understand human behavior — and build for it in real time. If you're building or investing in the infrastructure of fairer, smarter financial systems — let’s connect.