Our team has a structure no different from any other fintech company. However, they are VERY competent people; which is the differentiating factor.
Regards data paucity, we have access to data which we use to analyze risk. I cannot speak more about the depth of our data sourcing or how our model works for obvious reasons. We analyze three factors however; financial, personal and environmental. As far as insurance, all loans are insured and the name would be available when we release.
We have a team that carries out KYC both in-house and outsourced. I hope this helps