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