Phenx
Business Physics

Stop Guessing. Start Seeing the Physics.

We find the hidden forces bleeding margin from your pricing, risk, and operations - then engineer systems that turn variance into profit.

Clients see 12-20% margin improvement in 90 days.

Get Your Free Business Physics Diagnostic →

A 20-minute call where we map your system's physics. You leave with a structural diagnosis - even if we never work together.

Trusted by teams at regulated, asset-heavy enterprises.

30+ projects | 4 patents (named inventor) | JPMorgan Chase alumni

Results From The Field

+20%

Credit Approvals

Auto Lender, Thin-File Segment

+12%

Gross Profit

National Construction Co.

60%

Cost Reduction

vs. Public API Costs

90 Days

To Measurable ROI

Typical engagement timeline

From Noise to Structure

Most teams operate on noisy, incomplete data.

Phenx isolates the signal, uncovers the hidden structures and real drivers of your business, and stabilizes decisions with AI that behaves like physics - predictable, explainable, consistently profitable.

Noise
Signal

Trusted in High-Stakes, Regulated Environments

30+ enterprise projects

4 patents (named inventor)

Regulated, audit-heavy expertise

Private, explainable, on-prem-ready systems

The Real Problem Behind Your “AI Problem”

You don’t need another AI model.
You need to see the underlying system.

You’ve tried dashboards, KPIs, data pipelines, maybe even an “AI initiative.” None of it worked - because you’re treating symptoms, not structure.

The pricing model that breaks under pressure.
The fraud system that fails silently.
The estimates that swing 30% for no visible reason.

These aren’t data problems. They’re physics problems.

Once you see the forces actually driving your outcomes, decisions stop being debates. They become obvious.

  • The pricing model that breaks under pressure
  • The fraud system that fails silently
  • Estimates that swing 30% for no visible reason
  • Dashboards, KPIs, and pipelines that never fixed it
  • An “AI initiative” that didn’t move the needle

The problem isn’t the tools. The problem is that the underlying structure is invisible.

At Phenx, we start where most projects stop, and ask:

“What are the forces actually driving your outcomes?”
“Where is variance entering the system?”
“What are the real predictive levers?”

Who This Is For

You’re a good fit if:

  • → A 5% pricing error costs you $500K+ annually
  • → Your models work in backtests but fail in production
  • → You’re in a regulated industry where “black box” isn’t acceptable
  • → Your team is too small to hire a full data science org
  • → You’ve been burned by consultants who delivered decks, not systems

Typical clients: CTOs, VPs of Analytics, and Heads of Pricing at $50M-$500M companies in construction, equipment rental, specialty finance, and asset-heavy operations.

Typical domains

pricing & estimating

credit & risk

fraud & abuse detection

asset-heavy operations & maintenance

regulated or audit-driven teams

Why Phenx

The only firm built on Structural Clarity.

This is not model tuning. This is structural engineering.

Most firms optimize models. We optimize reality.

Phenx treats your business like a physical system:

  • identify the true variables
  • measure the forces acting on them
  • separate signal from noise
  • engineer stable, predictable behavior

Instead of black-box “AI magic,” you get:

  • clear structural explanations
  • explicit assumptions
  • traceable mechanisms
  • systems that behave consistently under stress
We don’t sell models. We install structure.

What You Gain

What You Gain With Business Physics

Predictability

Systems that behave consistently under stress, not models that break silently.

Stability

Variance reduction across pricing, risk, fraud, and operations.

Leverage

Clear levers you can pull with confidence because you understand the mechanics underneath.

Visibility

A structural map of your system: forces, constraints, noise vectors, and dominant drivers.

Our Method

The Structural Scientist Framework

A 3-layer architecture we apply to every engagement.

Clarity → Confidence → Control

Each layer builds on the last to expose, validate, and stabilize the system.

Clarity

1. Clarity Layer · Reveal the Structure

We begin by making the invisible visible. We map the architecture of your system and show how your business is actually behaving, not how you think it’s behaving.

  • price dynamics and margin behavior
  • fraud and abuse patterns
  • operational flows and bottlenecks
  • noise vectors and data quality breaks

Confidence

2. Confidence Layer · Validate the Physics

Once we see the structure, we test it. This is where intuition is converted into evidence. You stop arguing from anecdotes and start deciding from physics.

  • Bayesian systems to capture uncertainty and prior knowledge
  • hybrid ML (statistical + machine learning) to model true mechanics
  • Monte Carlo simulations to probe edge cases and tail risk
  • variance decomposition to find where instability really comes from

Control

3. Control Layer · Engineer Predictability

With structure understood and validated, we design control. Control is about making the system behave predictably under real-world constraints.

  • recommend actions to estimators, underwriters, and operators
  • adjust pricing and limits in real time within safe bounds
  • predict risk, demand, failure, and attrition before they surface
  • automate decisions where confidence is high

Proof in Structure

Patterns We’ve Revealed in the Real World

Each insight shows how Phenx extracts the signal, names the structural drivers, and designs the repeatable playbook.

Case 01Timeline: 90 days from kickoff to production system

Case Study: National Construction Company

The Problem

Estimators were discounting “to be safe” - but no one knew which discounts were necessary and which were leaving money on the table. Margin variance was ±18% on similar jobs.

What We Found

  • Hidden customer segmentation by urgency and project complexity
  • Non-linear demand curve - higher prices actually won more in certain segments
  • Estimator bias was costing 8-12% GP on 40% of bids

The Outcome

  • +12% gross profit on repriced segments
  • Higher win rates (not lower) after removing unnecessary discounts
  • Pricing logic the team actually understood and trusted

Timeline: 90 days from kickoff to production system

Case 02Timeline: 8 weeks to validated prototype, 12 weeks to production

Case Study: Top-10 Auto Lender

The Problem

40% of applicants had thin or no credit files. The existing model either rejected them all (leaving money on the table) or approved blindly (spiking defaults).

What We Found

  • Behavioral signals buried in non-traditional data that traditional scores ignored
  • Default risk patterns tied to behavioral sequences, not static attributes
  • Explainability tuned for regulatory review

The Outcome

  • +20% approval rate in thin-file segment
  • No increase in default rate
  • Regulator-ready model transparency

Timeline: 8 weeks to validated prototype, 12 weeks to production

Case 03Timeline: 6 weeks to detection system, ongoing monitoring

Case Study: Payments Platform

The Problem

Fraud losses were climbing 15% QoQ, but the model’s validation metrics looked fine. The team couldn’t explain why reality diverged from their dashboards.

What We Found

  • New fraud patterns emerged outside the training distribution
  • Model optimized for yesterday’s fraud, not today’s - attackers had evolved
  • Layered supervised detection for known patterns plus unsupervised for formation

The Outcome

  • Detected net-new fraud clusters invisible to the old model
  • Reduced false positives by 30% - ops team could act on alerts
  • Hybrid system catching known patterns and flagging unknown formation

Timeline: 6 weeks to detection system, ongoing monitoring

What Clients Say

Proof from leaders who operate under real constraints

“They had significant domain and subject matter expertise. This shows in their overall approach and delivery of solution.”

Ranga Kothamasu

CEO of Cortex

“They were able to adapt to our company’s specific business needs and understand our industry.”

Director of Strategy

Simon Roofing

“Phenx is an integral component of our mission-driven strategy to deliver financial inclusion to underserved, credit-invisible consumers. They demonstrated tremendous value in applying deep learning to enhance the decisioning power of our risk segmentation model.”

CEO

Specialty Lender

Start with Structure

Get Your Free Business Physics Diagnostic

In 20 minutes, we’ll map the hidden forces driving your outcomes - and show you exactly where variance is costing you money.

No pitch. No fluff. If there's no structural insight, we'll tell you.

You'll leave with

  • ✓The 3 dominant forces shaping your results
  • ✓Your top noise sources (and which ones are fixable)
  • ✓A Predictability Score for your current system
  • ✓A 90-day action plan - whether you work with us or not
Only 4 diagnostic slots available per month.

Ready to map the physics?

Private, explainable, and deployment-ready systems.

If there is no structural insight, we’ll tell you that too.

Book Your Free Diagnostic →

A 20-minute structural assessment. Zero fluff.

Not ready to talk?

Get the Self-Assessment →

Download our 1-page Business Physics Self-Assessment and diagnose your own system.

StructureSignalsConstraintsControlsFeedback Loops

Built for Regulated, High-Stakes Environments

  • ✓Private, on-prem deployable (no data leaves your environment)
  • ✓Explainable models (audit-ready documentation)
  • ✓Designed for regulated, audit-heavy environments
  • ✓Enterprise SLAs with 24×7 support
  • ✓Architecture patterns aligned with enterprise security standards

Founder: PhD in AI | 20+ years enterprise experience | JPMorgan Chase alumni | 4 patents (named inventor)