Comprehensive Credit Risk Consulting Solutions

Transforming Risk Management Through Strategic Expertise

Our Expertise

Strategic Risk Management

Develop comprehensive credit risk strategies that balance risk mitigation with business growth. Our approach optimises credit policies across the entire customer lifecycle.

  • Acquisition risk strategy optimisation

  • Customer management strategies

  • Collections approach development

  • Credit policy governance frameworks

Advanced Risk Modelling

Create sophisticated mathematical models that provide deep insights into credit risk. Our modelling techniques transform raw data into predictive, actionable intelligence.

  • Loss modelling (PD, EAD, LGD)
  • Fraud Detection

  • Customer Value Modelling

  • Multi Bureau and Alternative Credit Scoring

Portfolio Insights

Transform complex data into clear, actionable insights using advanced business intelligence tools. Our reporting solutions provide timely visibility into portfolio performance.

  • Portfolio monitoring dashboards

  • Performance tracking

  • Risk metric visualisation

  • Business intelligence tool integrations

Our Approach:

Tailored Solutions, Lasting Impact

At Credit Risk Solutions, we understand that every organisation is unique. Our approach goes beyond traditional consulting by creating bespoke solutions that seamlessly integrate with your existing business ecosystem.

We begin with a rigorous requirements gathering process, diving deep to truly understand your specific challenges, organisational culture, and strategic objectives. This isn’t about selling a one-size-fits-all solution, but crafting a precision strategy that fits your organisation like a tailored suit.

Our engagement model is deliberately flexible. Whether you need on-site collaboration to drive rapid transformation or prefer remote support to minimise disruption, we adapt to your preferred working style. We’re not just consultants – we’re strategic partners committed to your long-term success.

Critical to our methodology is solution sustainability. We don’t just deliver a project and disappear. Our comprehensive aftercare ensures continuous performance, providing ongoing support and refinement to guarantee that our solutions continue delivering value long after initial implementation.

What sets us apart is our commitment to understanding not just the technical challenge, but the human dynamics behind it. We combine deep technical expertise with commercial acumen, ensuring our solutions are both analytically robust and practically implementable.

Our promise is simple: a collaborative, flexible approach that transforms your credit risk management from a potential constraint into a strategic advantage.

Credit Risk Strategy

What we can help with:
  • Underwriting Policy Development – We can look at your portfolio data and propose a set of policy rules to ensure you are onboarding the correct customer for your business.

  • Credit Limit Optimisations – We can develop strategies to optimally change customers credit limits throughout their lifetime. Ensuring you are lending the correct amount to your customers based on their needs are your risk tolerance.

  • Affordability Assessments – We leverage a wide range of data sources check you customers can afford what they borrow. Protecting you customer and keeping your business regulatory-compliant.

  • Fraud Mitigation – We have extensive experience implementing operational and strategic fraud policies to protect your business from bad actors, while minimising the impact on genuine customer.

  • Risk Appetite Statements – Over our years of experience we have developed systematic approach for thinking about and setting risk appetite that is reflective on their business.

  • Customer Contact Strategies – Ensure you are making contact with your customer in the right way to achieve your business goals.

  • Proposition Development – We can use our expertise and experience to help develop new proposition that delight your customer and support your business goals.

  • Collections Strategies – We leverage our experience to design strategies designed to get your customer back on track and protecting your business.

  • Recoveries Strategies – We leverage our experience to design strategies for both internal and out sourced recovery operations. Managing the costs when thing don’t go your way.

  • Securitisation – Using our experience we streamline the processes involved in securitising your assets. For initial tender and on going disclosures.

  • Debt Sale – We can enrich your data with alternative sources to ensure you get the best price for your assets.

  • Policy Governance – Designing policy is only half the battle ensuring your decision making process is sound is the other half. We can help put in place a structure that is transparent and efficient.

Credit Risk Modelling

What we can help with:

  • Application Model Development – We have experience using advance machine learning and traditional techniques to develop model for use in application strategies.

  • Behavioural Model Development –  Using internal data we can create models that will give an up to date and accurate estimate of your existing customers risk profile.

  • Loss Modelling – We have experience developing complaint loss models (PD, EAD, LGD) for use in provisioning across all type of credit products.

  • Fraud Modelling – We have experience developing models to identify and combat bad actors trying to defraud your company and customers.

  • Macro-Economic forecasting – We can help generate and integrate multiple economic scenario forecasts into your business planning.
  • Model Stress Testing – Use our stress testing framework to asses how to understand how robust your models are to changes in the operating environment.

  • Collections Payment Propensity – We can develop models to understand how likely your non-performing customers are to get back on track. Helping you manage your relationship with your customers.

  • Net Present Value – Using our experience in DCF modelling we can estimate the future value of your customer and products, allowing you to take more a longer term view of your portfolios value.

  • Cross Sale Propensity – We can help you identify customers who are most likely to benefit from you wider product offerings.

  • Alternative Data Models – We have experience in a integrating datasource that have not traditionally been used for underwriting, giving you a competitive advantage over your competitors.

  • Low Data Availability Models – We understand that sometime you have to make decisions based on limited information. Using our expertise and advance machine learning techniques, we can develop models using limited data to support you decision making.

  • Independent Model Validation – We have experience providing oversight on our client model in accordance with their governance and audit needs.

  • Model Documentation – We can provide comprehensive documentation on your existing models highlighting methodology, results, limitations and future improvements. These documents can be tailored for your internal governance or regulatory submissions.

  • Experimental Design – We can help you get the information you need to make the best business decisions. Use our framework to set up, execute and evaluate experiments. Getting you the answer you need while minimising customer impact.

Reporting & Analytics

What we can help with:

  • Front Book Portfolio Monitoring – We can provide bespoke reporting to track newly acquired consumers performance, covering risk profiles, approval rates, and lending metrics during their first few years on book. Helping you continuously assess and refine their origination strategies.

  • Back Book Portfolio Monitoring  – Detailed analysis of existing customer portfolios, tracking risk profiles, performance trends, and potential emerging risks. This ongoing monitoring allows for proactive risk management and strategic portfolio adjustments.

  • Model Monitoring – Continuous evaluation of predictive models to ensure their ongoing accuracy, reliability, and performance. Model monitoring helps identify potential drift, degradation, or changing risk dynamics, acting as a early warning for potential issues, before they occur.

  • Asset Quality Reporting – Comprehensive reporting on the overall health and performance of a lending portfolio, including asset quality metrics, potential impairments, and risk concentrations. This reporting provides critical insights for strategic decision-making and regulatory compliance.

  • Customer Segmentation – By dividing your customer base into distinct groups, we help out clients develop targeted strategies, personalise risk management and optimise resource allocation.

  • BI Tool Integration – Seamlessly connecting business intelligence platforms like Looker, Tableau, Power BI, and AWS QuickSights to create unified, interactive dashboards. This integration transforms raw data into actionable insights, enabling real-time decision-making and comprehensive data visualization.

  • Data Modelling – Proper data modelling ensures faster query performance, improved data quality, and more scalable analytics infrastructure. Making the most of your data and reducing your IT costs.

  • Analytics Environment Setup – Many businesses struggle with fragmented analytics approaches, where each analyst uses different tools and methodologies, creating siloed work that cannot be easily reproduced or expanded. We help organisations establish a standardised, collaborative analytics environment that ensures consistency, enables knowledge sharing, and allows seamless work continuation across teams, reducing redundancy and improving overall analytical efficiency.

  • Analytics Templating – Organisations often struggle with inconsistent and unclear analytical outputs, leading to misunderstood insights and slow decision-making. Our analytics templating provides a structured framework that sets clear expectations for analysis, ensuring consistent methodology, standardised reporting formats, and improved clarity of insights across the entire organisation.

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