Built from inside the credit process

Nik Gak

Nik has spent seven years in CRE private credit originations across rehab, ground-up construction, bridge and DSCR, rising from Originations VP to SVP and Head of Inside Sales at a Jersey City private credit lender, where he leads the loan officer team across Principal, CRE/Advisory and TPO channels, owns the DSCR product vertical, and sits on the Operating Committee. He is also a builder: he independently designed and shipped an AI-powered loan origination platform now in production use, alongside several other production systems. Sphinx came directly out of reading thousands of after-repair appraisals and noticing that nobody — not the lender, not the AMC, not the rating agency — ever checks whether the borrower's budget can actually build the house the comparables describe. Educated at the University of St Andrews and King's College London.