Expertise across the whole credit cycle
Credit Risk for Lenders
Experienced analytics and credit risk professionals
The Broadstone team undertakes credit risk, modelling and analytics activities for a number of lenders.
Continued access to our in-depth industry knowledge allows our clients to focus on the wider business goals, knowing that their risk and analytical needs are in safe hands.
Our expertise extends from large banks to non-traditional and specialist lenders:
- Working with consumer and SME lenders
- Experience across unsecured, secured and revolving loans
- In-depth knowledge of performing and non-performing lending assets
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
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
By tailoring our services to the specific needs of our clients, we leverage our deep knowledge and experience to deliver robust and reliable solutions, ensuring your institution is well-prepared to meet regulatory requirements and manage risks effectively.
