What Mareigua does

Mareigua is a Colombian fintech analytics company founded in 1992, headquartered in Bogotá, that provides AI/ML-based predictive analytics for credit risk assessment to financial institutions across the credit lifecycle. The company operates a portfolio of 10 specialized products anchored by the Analytics platform (which evaluates current and future payment capacity via API integration and web portal access) and complemented by eight predictive scoring modules: Score de Desempleo (unemployment probability), Score UKAN (new credit obligation fulfillment), Score de Mantenimiento (near-term payment deterioration), Score Pago Estable (employer change probability), Score Propensia (commercial offer acceptance), Proyección de Ingresos Futuros (12-month income forecasting), CalificaPJ (legal entity performance projection), and EMPLEADOR PJ (employer/company data). These are unified under IBF (Indicador de Balance Financiero), a consolidated balance metric. The integrated platform enables clients to evaluate new segments without relying on traditional credit history, supporting financial inclusion in markets with high informal employment.

The company's core technology relies on collaborative ecosystems of non-traditional data sources (electronic billing, unemployment data) that are not available through conventional credit bureaus, standardized under credit risk management principles. Predictive models leverage both traditional and non-traditional structured data to produce scoring outputs across prospecting, origination, maintenance, and collection stages. Mareigua holds ISO 9001 and ISO 27001 certifications through ICONTEC and IQNet, supports API-first integration with customizable classification rules, and serves primarily Colombian financial institutions with nascent Mexico presence via FinTech Mexico membership.

Mareigua's business model is B2B enterprise subscription with recurring revenue, distributed through direct enterprise sales, API integration, and a web portal. Go-to-market is enterprise field sales targeting banks and credit providers, with complementary channels including quarterly economic bulletins (Boletín Mareigua), the Mareigua Innovation Awards, industry events such as Asobancaria 2025, and LinkedIn-led thought leadership. The company derives its pricing from licensing of analytical models and data services, with no publicly disclosed pricing. Mareigua has 51-100 employees and is privately held with no disclosed funding rounds, M&A activity, or revenue figures.

Name

Mareigua

Legal name

Mareigua

Website

https://mareigua.co

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Mareigua is a Colombian fintech analytics company founded in 1992 that provides AI/ML-based predictive credit risk scoring solutions to financial institutions across the credit lifecycle, leveraging non-traditional data sources including electronic billing and unemployment data.

Ownership category

akta.pro rank

Product category

Credit Risk Analytics Software

NAICS

Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

akta.pro secondary industries

Credit Scoring Models & Score Providers (FSAKAKAC), Risk Analytics, Portfolio Monitoring & Early-Warning (Consumer Credit) (FSAKAKAH), Credit Monitoring, Portfolio Analytics & Early Warning Systems (FSAGAHAJ)

Keywords

• Credit risk analytics
• Predictive scoring models
• Financial risk management
• Credit lifecycle solutions
• Payment capacity analytics

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Analytical Solutions for Financial Institutions: Provides predictive analytics and scoring solutions to financial institutions across the credit lifecycle. Solutions are delivered via API integration and web portal access. Revenue generated through licensing of analytical models and data services.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Mareigua provides an ecosystem of AI/ML-based predictive analytics products for credit risk assessment, including credit scoring, unemployment risk scoring, payment capacity evaluation, income forecasting, and commercial offer acceptance probability. Solutions are delivered via API integration and a web portal to financial institutions across the credit lifecycle — from prospecting and origination through maintenance and collections to portfolio sale decisions. The offering combines traditional and non-traditional data sources (such as electronic billing and unemployment information) standardized under credit risk management principles.

Product overview

Mareigua is an analytical solutions company offering a platform-plus-modules architecture built around a portfolio of 10 distinct predictive scoring and analytical products. The core ecosystem addresses the entire credit lifecycle — from prospecting and origination, through maintenance and collection, to portfolio sales — by combining advanced analytics, non-traditional data sources, and real-time processing. The portfolio is anchored by the Analytics platform (which evaluates current and future payment capacity and integrates via API), complemented by specialized predictive scores: Score de Desempleo (unemployment probability), Score UKAN (new credit obligation fulfillment), Score de Mantenimiento (near-term payment deterioration), Score Pago Estable (employer change probability), Score Propensia (commercial offer acceptance), Proyección de Ingresos Futuros (12-month income forecasting), and two business-focused tools EMPLEADOR PJ (legal entity employer data) and CalificaPJ (legal entity future performance). These individual modules are unified under the IBF – Indicador de Balance Financiero, a consolidated metric that combines payment probability, payment capacity stability, and future payment capacity across all stages of the credit cycle. Mareigua's solutions enable clients to approve new market segments without relying on traditional credit history, increase placement volumes by up to 35% while controlling default rates, and execute proactive campaigns with higher acceptance rates.

Differentiator

Problem solved

Functional benefit

Brands

• Propensia: Predictive model to identify probability of accepting a commercial offer
• Score UKAN
• Score de Desempleo
• Score de Mantenimiento
• Proyección de Ingresos Futuros
• CalificaPJ
• IBF - Indicador de Balance Financiero
• Score Pago Estable
• Analytics Persona Natural
• Empleador PJ

Products and services

• Analytics A comprehensive analytical solution that evaluates the current and future payment capacity of formal employees, independents, and retirees. Integrates via API into automated systems, provides individual person information through a web portal, supports batch querying for mass actions, and allows customizable classification rules tailored to each client's needs.
• Score de Desempleo A predictive model that determines the probability that a person will not have future payment capacity by predicting unemployment risk over the next 6 months. Enables more precise evaluations, identification of new market segments without financial history, and maximization of value throughout the customer credit lifecycle.
• Score UKAN Measures the probability that a person will fulfill a new credit obligation, evaluated innovatively without relying on past behaviors, amounts, or traditional credit history variables. Applied during the origination stage.
• Score de Mantenimiento Measures the probability that a person will experience immediate (within 3 months) payment capacity issues. Anticipates segments with the highest deterioration probability, facilitating preventive portfolio management, and identifies stable populations for deepened relationships and additional product offerings.
• Proyección de Ingresos Futuros Estimates the income range a person will have over the next 12 months, enabling anticipation of financial situation evolution and identification of the optimal product set for each customer. Supports differentiated strategies from origination or proactive campaign processes.
• EMPLEADOR PJ Provides exclusive data on companies or legal entity owners with commercial establishments, including sales figures, registered employee counts for contributions, financial data, and real-time information to support origination, maintenance, and collection processes.
• CalificaPJ Evaluates the future projection of a legal entity over the coming months by estimating employee payment capacity and evaluating the future stability of economic activity. Supports strategic decisions in origination, maintenance, or business relationship processes.
• IBF - Indicador de Balance Financiero A consolidated metric combining predictive models including payment probability, payment capacity stability, and future payment capacity. Enables strategy consistency and automation with appropriate personalization, combining with client models to find the greatest benefit across new and existing segments.
• Score Pago Estable Determines the probability that a person will change employers within the next three months. A predictive model that enables anticipation of changes in a person's employment relationship, differentiated strategies based on employer change probability, and adjustment of credit-type probabilities for payment capacity stability and guarantees.
• Score Propensia Determines the probability that a customer will accept a commercial offer. Enables generation of differentiated strategies and offers based on expected acceptance probability, optimizing the results of proactive campaigns by maximizing offer acceptance rates.

Quantifiable outcome

• Increase in loan portfolio placement up to 35% while maintaining controlled delinquency rates
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• FinTech MexicominorOthersIndustry association membership indicating presence in or interest in the Mexican fintech market. Association provides networking and industry advocacy.
• Colombia FintechminorOthersColombian fintech industry association membership, indicating active participation in Colombia's fintech ecosystem.
• FedesoftminorOthersColombian software industry association membership demonstrating commitment to technology sector standards and community.
• Cámara Colombiana de Comercio ElectrónicominorOthersColombian e-commerce chamber membership indicating involvement in digital commerce and electronic business ecosystem.
• ISO (Icontec)coreOthersMareigua holds ISO 9001 and ISO 27001 certifications through Icontec, demonstrating quality management and information security compliance standards.
• IQNetminorOthersInternational certification network partnership providing additional quality certification recognition globally.
• Plazos JustosminorOthersIndustry initiative or association focused on fair lending practices, indicating participation in responsible credit industry standards.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Credolab: Alternative-data credit scoring platform using smartphone and digital footprint data for credit decisioning in emerging markets including LATAM. Competes with Mareigua at the alternative-data layer of credit risk assessment for financial institutions.
• Destácame: Chile-based fintech focused on credit inclusion and alternative-data credit scoring for underbanked populations in LATAM. A direct emerging-market peer pursuing the same thin-file and alternative-data thesis as Mareigua, though geographically anchored in Chile.
• LenddoEFL: Alternative-data credit scoring platform serving emerging markets including LATAM. Targets thin-file and unbanked populations with non-traditional data scoring — a closely comparable product philosophy to Mareigua's UKAN and Desempleo scores.
• Datasea: Alternative data and analytics provider focused on credit and risk intelligence in emerging markets, including LATAM. Comparable to Mareigua in applying non-traditional data sources to credit decisioning for financial institutions.

Broad incumbents

• Experian: Global credit bureau with established operations in Colombia and across LATAM (including Serasa in Brazil). Offers consumer and business credit reports, scoring, and analytics — the dominant incumbent Mareigua competes against in the same Colombian financial institution buyer base.
• Equifax: One of the three global credit bureaus with operations across LATAM, providing credit reporting and analytics to financial institutions. A direct incumbent competitor in the same enterprise buyer segment.
• TransUnion: Global credit bureau with significant LATAM presence, providing consumer credit reporting, scoring, and analytics to banks and lenders. Competes directly with Mareigua for financial institution clients in Colombia and across the region.
• FICO: Global leader in credit scoring and analytics, serving the majority of large banks worldwide with credit scores and decisioning platforms. Competes with Mareigua at the scoring and decisioning layer for larger Colombian and LATAM financial institution clients.

Regional players

• Datacrédito: Colombian credit bureau owned by TransUnion, providing consumer and business credit reports and scoring specifically for the Colombian market. The closest direct domestic competitor within Mareigua's primary geography.

Direct peers

• CRIF: Italian-headquartered credit bureau and credit analytics firm with deep operations across LATAM, offering credit reporting, scoring, and decisioning solutions to banks. Closely comparable to Mareigua in targeting emerging-market financial institutions with credit risk and decisioning products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mareigua
• Xx.com/mareiguasuesca2
• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mareigua