Expertise across the whole credit cycle
Credit Risk & Analytics
Experienced analytics and credit risk professionals
The Broadstone team undertakes credit risk, modelling and analytics activities for a number of lenders, investors and financial institutions.
Continued access to our in-depth industry knowledge allows our clients to focus on their wider business goals, knowing that their risk, analytical and commercial decision-making needs are in safe hands.
Our expertise extends from large banks to non-traditional and specialist lenders, as well as private equity firms and investors with exposure to consumer and SME lending assets.
- Working with consumer and SME lenders
- Experience across unsecured, secured and revolving loans
- In-depth knowledge of performing and non-performing lending assets
- Supporting lenders, investors and portfolio owners across the credit lifecycle
Our services encompass a broad range of areas:
Underwriting
- Policy rule design
- Bespoke scorecard build
- AI and Machine Learning modelling
- Affordability strategy creation
- Open Banking implementation
- Fraud rules and model build
Collections and Recoveries
- Collections segmentation analysis and scorecards
- Arrears monitoring and forecasting
- IFRS9 model build and review
- Collections team incentivisation
- DCA panel management
- Operational review
Data-Driven Due Diligence
- Account-level data reconciliation
- Historical trend analysis
- Cash flow portfolio forecasting
- Economic scenario stress testing
- Non-performing loan pricing
Commercial Analytics
- Acquisition funnel optimisation
- Credit Bureau data strategy
- Risk-based pricing development and optimisation
- ‘Unit of one’ profitability analysis
- Attrition and lifetime value modelling
Portfolio Management
- Portfolio monitoring service
- Consumer Duty support
- MI design and report creation
- Hosted dashboard service
- Behavioural score modelling
- Credit card limit strategy
- Portfolio stress testing
Debt Sale and Funding Support
- Non-performing loan (NPL) pricing
- NPL debt sale support
- Cash flow forecasting
- Sell-side portfolio valuation
- Financial model build and review
Lender Expert Review
- Lender capability assessment
- Red flag and gap analysis
- Opportunity and enhancement identification
- Industry benchmarking
- Post-deal roadmap creation
Financial Model Build & Audit
- New financial model build
- Existing model build-out and enhancement
- Input and assumption stress testing
- Detailed forecast sensitivity analysis
- Full financial model audit
By tailoring our services to the specific needs of our clients, we leverage our deep knowledge and experience to deliver robust, reliable solutions that help lenders and investors make better-informed decisions, meet regulatory requirements and manage credit risk effectively.
Bureau Data Health Check
Inaccurate credit bureau reporting can result in financial detriment. Our independent review identifies data quality issues that can be missed at submission, assesses their impact, and gives stakeholders a clear route to improving data quality.
