Buddhi Labs
Intelligence → Systems → Outcomes

We build decision intelligence systems for complex growth businesses.

Buddhi Labs creates software that helps leadership teams make high-stakes growth, risk, and capital decisions with clarity, transparency, and trust.

Talk to us See Cohort Brain
Leadership-grade
Scenario-driven
Explainable + auditable
Flagship product
Cohort Brain
Decision intelligence for growth, risk, and capital; so critical decisions are made with clarity, confidence, and accountability.
  • Cohort-based forecasting (months-on-book dynamics)
  • Behavior curves by risk band × acquisition channel
  • Scenario overlays for stress testing
  • Driver attribution and decision-ready outputs
  • Governance: owned assumptions + traceable changes
Request a demo →

Cohort Brain

Cohort Brain (CB) is a decision intelligence platform that helps leadership teams understand, stress-test, and govern growth decisions in businesses with credit, risk, and acquisition dynamics.

What this means: Finance, Risk, and Marketing work inside a single analytical environment; with shared assumptions, transparent logic, and auditable evidence.

The problem

Growth decisions are made in fragments.

Finance
Forecasts live in spreadsheets or generic FP&A tools.
Risk
Behavioral models live in separate systems or black boxes.
Marketing
Acquisition plans evolve independently from risk and capital constraints.

This fragmentation makes it hard to answer critical questions:

  • What happens if we grow faster through a different channel mix?
  • How does credit risk evolve as cohorts season?
  • What assumptions actually drove this forecast?
  • What changed since the last board decision—and why?
Cohort Brain makes assumptions explicit, behavior dynamic, and decisions traceable.

Core capabilities

CB models the business cohort-by-cohort—capturing how customers behave over time and how those behaviors change under different scenarios.

1) Cohort-based forecasting
Model months-on-book dynamics: defaults and losses, churn and activity, utilization, paydown, and draw behavior.
2) Behavioral risk modeling
Drivers are curves over time, segmented by risk band and acquisition channel—visible, reviewable, governable.
3) Acquisition planning
Plan gross adds and channel mix while understanding churn-driven net growth and how economics evolve as cohorts mature.
4) Scenarios & stress testing
Best/Base/Worst cases using transparent scenario overlays that adjust behavioral and economic assumptions—repeatable and comparable.
5) Decision-ready outputs
Portfolio KPIs, cohort/segment breakdowns, scenario comparisons, and clear driver attribution—built for exec and board reviews.
6) Governance & traceability
Assumptions owned by functions, forecast runs logged, changes traceable over time—confidence in the numbers and the process.

Who it’s for

Cohort Brain is built for leadership teams making high-stakes decisions where customer behavior over time materially impacts outcomes.

Primary users

  • Executive teams (growth, capital, risk)
  • Finance leaders (forecasting + performance management)
  • Risk teams (credit and portfolio behavior)
  • Marketing leaders (acquisition strategy)

Stakeholders

  • Boards and investors seeking clarity and accountability
  • Cross-functional operators aligned on shared assumptions
Best fit: fintechs, lenders, credit portfolios, and growth-stage companies where acquisition mix + cohort behavior drive economics.

How Cohort Brain is different

Not just FP&A
Goes beyond static forecasts to model real behavioral dynamics.
Not just analytics
Designed to support decisions, not just insights.
Cross-functional by design
Aligns Finance, Risk, and Marketing around shared assumptions and transparent logic.

Contact

If you’re navigating growth under credit and risk constraints, let’s talk.

Email: hello@buddhilabs.ca