Higher approvals. Lower risk.
Not a trade-off.

Our risk consultants have built and operated credit models across 11 markets at €20B+ scale. We don't bring generic frameworks — we bring configurations that have been tested in production and proven in the field.

80%

approval rate achievable

<3%

NPL

50+ GINI

Scorecards

97%

collections effectiveness

Our Consulting
capabilities

End-to-end risk expertise — from strategy to scorecard to recovery.

Case studies

Featured

APAC consumer bank reduced operational costs

In the end there was a 30% increase in recovery rates and 95% reduction in outbound call costs. Also recovery rates were lifted on their delinquent retail portfolio.

/Collections/Data & AI+

Yettel Bank Story

Fraud losses growing 40% YoY with reactive detection missing sophisticated attack patterns.

/Security management+

Skoda Group fills the skills

Skoda Group was struggling to fill its open IT security positions, including the role of Chief Information Security Officer (CISO).

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/Our impact in numbers

Proven at scale.

80%
Achievable approval rate
<3%
NPL with optimised credit strategy
50+ GINI
Scorecard performance benchmark
+15-40%
Product profit improvement through offer optimisation

/Estimated timeline

What a typical
engagement looks like

From first conversation to improved model performance in 10 weeks.

1-2 weeks

Discovery

We audit your current models, decisioning setup, data sources, and portfolio performance metrics. We identify the 3 highest-leverage improvement areas and agree the scope.

3-6 weeks

Design

7-10 weeks

Implementation

Ongoing

Optimise