Analysis Featured

From data to credit rules implementations

GDS Link is a global credit risk management technology and consulting company. GDS is known for the speed at which their systems can configure new credit rules or implement custom solutions.

GDS Link has a global network of nearly 100 clients. The company has offices in Dallas, Spain, Philippines, United Kingdom, Argentina, Istanbul, Monaco, and Ghana. On average, the company has added 10 to 15 customers every year to its register of clients. GDS Link’s clients include entities ranging from startups to large corporate entities.

GDS focuses on tailored credit risk management and process automation modular enough to evolve in a broad spectrum of industries, including marketplace and alternative lending. The company’s solutions are designed to support the access and aggregation of disparate data sources. It allows for rapid implementation of custom scorecard models and risk management policies.

10-year anniversary

The company was founded in 2006 by former Scorex (later Experian-Scorex) executives Paul Greenwood and Yves Duhoux, who have been working in this industry and providing these solutions since the mid-1990’s. Prior to the company’s launch, Greenwood and Duhoux had observed numerous inefficiencies, unnecessary complexity, and gaps in the technologies leveraged by the credit risk communities.

“Rather than the one size fits all solutions, we opted to provide industry-specific risk management insights, which in turn helps guide the development and implementation of solutions tailored to the individual needs of the customer. GDS Link has grown into one of the leading providers, providing best-in-class credit risk technology innovation to various industries,” said Paul Greenwood, co-founder, and president of GDS Link.

Celebrating its 10-year anniversary this year there here have been many key milestones for GDS Link during its tenure.  In 2011, GDS Link merged with IRB-Modellica, creating the GDS-Modellica brand for Western Europe and Latin America. IRB-Modellica started in 2004 as an independent venture providing analytic services and embarked on a project to develop a robust credit-orientated Decision Engine, which is now part of the DataView360® Solution Suite. Modellica formally merged with GDS Link on Jan. 2, 2011.

DataView360 is designed to meet the credit risk requirements of a broad range of lenders, throughout the entire consumer credit lifecycle. With its connectivity to more than 30 data bureau in the US, the GDS platform assists its client in creating a complete view of new applicants and existing customers. GDS also offers a comprehensive transparent set of normalized credit bureau attributes based on consumer data from the three national U.S. consumer credit bureaus.

Customer base

GDS’s serves various markets. Customers come from a broad spectrum of industries including, but not limited to, marketplace lending, both consumer and business, retail finance, auto finance, short-term installment lending, data bureaus, credit card, leasing and transportation finance.


GDS offers both a license and hosted model depending upon the need of the client. The company expanded its offerings by introducing credit risk and analytics consultancy in 2015, which helps clients deal with complex risk issues involved in their business. In their endeavor to expand, GDS Link has been partnering with leading businesses in their respective industries. One of GDS Link’s main goals is to minimize the risks of its clients and paving the way for them to maximize their profits.

The 2008 financial crisis was a failure of risk management at the highest level. This has led to increased investment in strengthening organizations’ internal systems and utilizing the best risk management software providers. The same is true for the emerging FinTech space – with the rise of alternative and marketplace lending organizations, GDS, with its experienced team and history of success, is poised to own a large portion of the market.

Author: Heena Dhir

George Popescu
George Popescu




About the author

George Popescu

Serial entrepreneur.

George sold and exited his most successful company, Boston Technologies (BT) group, in 2014. BT was a technology, market maker, high-frequency trading and inter-broker broker-dealer in the FX Spot, precious metals and CFDs space company. George was the Founder and CEO and he boot-strapped from $0 to a $20+ million in revenue without any equity investment. BT has been #1 fastest growing company in Boston in 2011 according to the Boston Business Journal and the only company being in top 10 fastest in 2012-13 as it was #5 in 2012. BT has been on the Inc. 500/5000 list of fastest growing companies in the US for 4 years in a row ( #143, #373, #897 and #1270). After the company sale in July 2014 until February 2015 George was Head-of-Strategy for Currency Mountain ( ), a USD 100 million+ holding company focused on retail and medium institutional currencies, precious metals, stocks, fixed income and commodities businesses.

• Over the last 10 years, George founded 10 companies in online lending, craft beer brewery, exotic sports car rental space, hedge funds, peer-reviewed scientific journal ( Journal of Cellular and Molecular medicine…) and more. George advised 30+ early stage start-ups in different fields. George was also a mentor at MIT’s Venture Mentoring Services and Techstar Fintech in NY.

• Previously George obtained 3 Master's Degrees: a Master's of Science from MIT working on 3D printing, a Master’s in Electrical Engineering and Computer Science from Supelec, France and a Master's in Nanosciences from Paris XI University. Previously he worked as a visiting scientist at MIT in Bio-engineering for 2 years. George had 3 undergrad majors: Maths, Physics and Chemistry. His scientific career led to about 10 publications and patents.

• On the business side, Boston Business Journal has named me in the top 40 under 40 in 2012 in recognition of his business achievements.

• George is originally from Romania and grew up in Paris, France.

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