Our Core Competencies

Quanta-mental Approach

By marrying machine learning-based quantitative models with fundamental real estate analysis, we intelligently select, valuate, purchase, and work-out Non-Performing second Liens (NPL’s).

Sourcing Network

We leverage deep industry connections to source residential Non-Performing second Liens (NPL’s) from banks, investment firms, accredited investors, and trustees.

Lien Portfolio Transactions

Occasionally, we sell select residential Non-Performing second Lien (NPL) portfolios to accredited investors and firms. Please join our mailing list if you would like to see our listings.

Business Intelligence

To help educate investors and advocate for the industry, we aggregate data and publish research on the markets in which we participate.

Who We Are

We are a team with cross-functional expertise in credit modeling, finance, real estate, and technology.
Industry Experience

Founded in 2017, LienIQ is focused on understanding illiquid, off-the-run consumer credit opportunities - specifically on the US non-performing, residential second lien market. The team has extensive experience in consumer credit markets with competencies in analytics and investing. By evaluating second lien portfolios from third party brokers and community banks, the team discovered that a rigorous, model-driven approach was lacking and that using a scale-able second lien portfolio pricing engine would provide smaller participants a marked advantage. In response to this insight, the team created the proprietary lien scoring system to price these claims.

  • Credit Modeling

    Team members have previously built operational valuation engines for consumer credit assets including consumer, small business, and auto loans.

  • Finance

    We have the know how to probability weight exit scenario cash-flows and perform fundamental capital structure analysis on lien collateral.

  • Real Estate

    With experience managing physical assets, we can handle scenarios where real estate is auctioned, rehabbed, and sold-off.

  • Technology

    By leveraging best-in-class cloud computing and programming practices, we maximize speed and efficiency.

Our Team

Peter Mallik
Peter Mallik
Principal
Mr. Mallik has extensive experience in consumer credit NPL analytics and investing. Previously, he held senior quant roles at two startup structured credit firms, a Wall St investment bank, and a large multi-strategy hedge fund. Mr. Mallik holds an MS in Financial Engineering from Carnegie Mellon and a BA from Columbia.
John Kaczala
John Kaczala
Operations
John has nearly two decades of experience in technology and operations and has led several engagements in Fortune 500 and finance specific firms, including Cisco and DTCC. He possesses both BA and MBA degrees from SUNY Albany.
Michael Soliz Jr
Michael Soliz Jr
Advisor
Michael is the founder and operator of 1 Oak Advisory, a California Deed of Trust investment firm, located in Newport Beach, California. Michael provides liquidity solutions for lienholders who seek to exit rather than go through the foreclosure, bankruptcy, and REO rehab process.

Roadmap