Embeddable fintech products platform

Data Analysis

Company mission

Array's mission is to fuel financial progress.



HQ Location

Financial District, New York, NY


151% employee growth in 12 months

Otta's take on Array

Sam Franklin headshot

Sam Franklin

CEO of Otta

Array provides clients with an API that will help customers gain easy, useful access to their financial and credit health. The platform includes an embeddable toolkit with a competitive spread of white-label solutions, like a simulator to test how actions might affect credit scores, and insights to help set and meet credit goals.

Democratizing access to credit intelligence is a great proposition in the US, where typically citizens can access their credit report for free just once a year. It is a smart feature to be selling to fintech and digital brands too: often these sectors struggle to onboard and retain active users, but personalized financial and credit health is expected to help generate loyal repeat custom.

The company has focused tightly on creating products that tightly track customer needs, but if these needs shift substantially it will be interesting to see how fast Array can pivot.

Total funding - $123m

Last fundraise

May 2022



This company has top investors

Company benefits

    🌍 Company-wide benefits

  • Full medical, dental, and vision, premiums covered at 100% for full-time employees and 70% for dependents
  • Unlimited PTO and sick leave + 14 company holidays to encourage a healthy work-life blend
  • Partnership with Spring Health to support mental health
  • Generous and competitive parental leave for all parents
  • $1,000 desk setup subsidy to set-up your unique remote office
  • $100/month to subsidize wifi/cell phone expenses
  • 🇺🇸 US benefits

  • 100% 401k match up to 4% with immediate vesting
  • $2,000 medical travel coverage

Company values

  • Focus on the customer but use a wide lens
  • Take ownership and be a team player
  • Work with focused curiosity
  • Collaborate, but don’t rule by committee
  • Build a track record of getting it right
  • Deliver results. How you got there matters too
  • Keep raising the bar, while nurturing potential


Also founded, and was CEO of Pentius from 2010 to 2019.

Started out as a Web Developer, and worked for Citigroup as a .NET Developer. Was Director of DevOps at Pentius.

Diversity & Inclusion at Array

Leena Kulkarni headshot

Leena Kulkarni (Director of Diversity, Equity, Inclusion, and Belonging)

  • We recognize the importance of investing in diversity, equity, inclusion, and belonging (DEIB) early in our growth and evolution, building towards the future we’d like to see. We’re investing early in this space in our company’s growth to ensure it’s a core part of how we scale and evolve
  • Array is a people-first culture, committed to constantly assessing (and reassessing!) how to best meet the needs of our diverse workforce. Our benefits are thoughtful and comprehensive to enable our people to show up as their healthiest and most balanced selves
  • We strive to foster an equitable environment for all employees by accommodating and encouraging different styles of communication and lifestyles that enhance our connection and authenticity
  • Our products and customer solutions have the potential to drive a more equitable society through wealth building in communities that have historically been excluded, and all of our products are built to empower consumers to achieve their financial goals
  • We have a tremendous amount of work and are dedicated to building a sustainable, intentional, and collective, DEIB strategy that enhances the experience of all of our people and drives financial wellness inside and outside of Array

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