Thomas Ingrassia, chief risk officer at CapFlow Funding Group, has helped shift the company’s credit organization from a transactional underwriting model to a fully data-driven, portfolio-focused risk strategy. Rather than evaluating each opportunity in isolation during initial underwriting, his team now integrates continuous monitoring, industry insights and predictive risk indicators to make faster, more consistent lending decisions while still maintaining credit standards.

“Data and technology are essential to our underwriting philosophy, but they don’t replace experienced judgment; they enhance it,” Ingrassia says.

Ingrassia is moving CapFlow beyond traditional scorecard-based decision-making by building a dynamic model that continuously evolves with market conditions, customer behavior and portfolio performance. He believes this approach helps the team identify emerging risks earlier and make more informed decisions that balance growth with prudent risk management.