About Us

Prescient Models LLC was founded by Joe Breeden to expand the adoption of best-in-class models across many application areas. Whether via consulting or product development partnerships, we can help you get a better vision of the future.

Models and analytics are undergoing a revolution. The recent financial crises highlighted for everyone the inadequacy of overly simplistic past approaches. New data and new techniques allow us to achieve real understanding of portfolio dynamics for retail lending where those problems originated, and across many other industries as well.

We can also improve the techniques with which businesses, lenders, and government regulators judge the effectiveness of their models. We should never again be in a position of not even knowing if our models are effective.

Joseph L Breeden, Ph.D., Founder and CEO

Dr. Breeden has almost 20 years of experience in financial services. Prior to founding Prescient Models, he co-founded Strategic Analytics in 1999, where he led the design of advanced analytic solutions including the invention of Dual-time Dynamics.

Dr. Breeden has created models through the 1995 Mexican Peso Crisis, the 1997 Asian Economic Crisis, the 2001 Global Recession, the 2003 Hong Kong SARS Recession, and the 2007-2009 US Mortgage Crisis and Global Financial Crisis. These crises have provided Dr. Breeden with a rare perspective on crisis management and the analytics needs of executives for strategic decision-making.

His book “Reinventing Retail Lending Analytics: Forecasting, Stress Testing, Capital, and Scoring for a World of Crises” was published by Riskbooks in 2010.

He currently serves as associate editor for the Journal of Risk Model Validation.