FICO, founded in 1956, is an analytics software company that specializes in predictive analytics, data science, artificial intelligence, and machine learning. The firm develops decision-management technology used by businesses to assess risk, detect fraud, and optimize operations across the customer lifecycle. Its platform is deployed in over 90 countries, serving sectors including banking, insurance, healthcare, retail, and telecommunications.
The company's best-known product is the FICO Score, a credit-risk metric used by 90% of top US lenders for consumer lending decisions. FICO also operates a fraud detection platform that protects an estimated 4 billion payment cards worldwide, providing real-time risk analysis for payment transactions. A broader suite of enterprise optimization solutions applies its analytical methods to areas such as customer management and operational decision-making.
With a technical focus on building scalable, data-driven systems, FICO applies machine learning and AI across its product portfolio. Engineering and data-science roles at the company involve work on large-scale analytics platforms that process high-volume financial and transactional data in real time.
