Credit insight, in a heartbeat

We believe in the value of unlocking the individual context of each consumer. A present-day picture, full of promise, built to inform your approach to customer management.

Pulse from Aire delivers rapid, actionable insight on the current financial situation of your existing customers, fast.

Building the new normal in consumer credit

Validated Total Income

Validated using our unique set of context data, Pulse returns a USD value for the gross income that a consumer receives, or has reasonable expectation of access to.




Non-discretionary expenditure

An individualized view of expenditure that gives greater insight into a consumer’s ability to service additional debt, and withstand shocks.

Measure of Engagement

Pulse helps to prioritise your outreach by measuring the level of interaction of your customers.

Make manual outreach obsolete

Pulse does the hard work for you, helping you save up to $78 per existing customer.

Easy outreach

Tell us who you need to reach and Pulse gets to work, reaching out to your customers via personalised SMS and email.

One digital conversation

Ready to complete online and at their convenience, our Interactive Virtual Interview arrives with your customers.

A unique, holistic picture

Pulse gathers the most up to date insight on your customer’s current financial situation, as it happens.


Rapid, actionable insights

Analysed and interrogated, a unique set of insights are delivered back to inform credit decisioning, from credit limit increases to debt restructuring. 

First-party data, explained

Pulse from Aire gathers first-party data, direct from the consumer, to deliver a truly holistic level of credit insight to lenders.

Download your guide

Clearer insight

A credit pulse check that better protects your existing loan book, Pulse provides ability to pay indicators alongside actionable measure of engagement insight.

Digital outreach

Remove the cost and inconsistency of manual customer management processes by replacing lengthy, individual phone outreach with a single digital solution, built with your customer at its heart.

Fully auditable

Strengthen your regulatory evidence of compliant account handling, even if things change rapidly for your existing customers.

Created to spot financial change as it happens, Pulse provides a truly holistic picture gathered from the most valuable, reliable and real-time data source available - the consumer themselves.
Aneesh Varma, Founder and CEO

Built to reflect current regulation


Pulse delivers fully auditable credit insight for lenders, built specifically to comply with FCRA, ECOA and other consumer protection laws.

Model governance

Pulse insights follow a model governance process that provides lenders with the required documentation FDIC or internal audit. Insights generated do this by following a set of recorded steps, including our approach to validation.

Consumer first

Aire operates as a consumer reporting agency under FCRA, and offers consumers appropriate methods to access and query their data.

See how we interact with your customers here.

Your US team

Expertise in US regulation, product development and partnerships.

Tom Oscherwitz, US Counsel and Market Lead

Meet Tom

Daniel Bhugon, Lead Product Manager

Meet Daniel

Ben Harvey, Sales lead

Meet Ben

Get started in just days

With no integration required, fast track your approach to keeping pace with your existing customers with Aire. Leave your details below and we’ll be in touch to tell you more.