Risk Management

Consulting

Our data science consulting and risk management practice covers the entire customer life-cycle starting from acquisition, underwriting, customer management to collections.

Credit Risk

Risk Management Consulting

Create an underwriting policy covering:
- Risk appetite and tolerance
- Underwriting criteria including minimum credit scores, income thresholds, debt-to-income ratios, and other relevant metrics
- Automated decision vs manual review criteria
Build an industry expert scorecard
Determine profitability based on breakeven cutoff by product type by analyzing the costs and revenues associated with each product to identify the point at which the product becomes profitable
Develop a line assignment strategy aimed at capturing a higher share of wallet targeting customers with the potential to spend more

Growth and Optimization

Build advanced underwriting model:
- Leverage data from diverse sources
- Perform feature engineering
- Leverage machine learning algorithms
Enhance line management strategy based on risk, spend requirements, and the size of the wallet concept is designed to optimize credit lines and maximize the share of wallet for each customer
Develop a portfolio monitoring framework including early warning signals and re-underwriting criteria

Fraud Risk

Detection & Prevention

1^st , 2^nd, and 3^rd Party Fraud Detection
Fraud Policy
Fraud Review
Real-time and Offline Fraud Controls
Identify Fraud Rings
Credit Bust Out