Fintech
Banks, lenders, and fintechs
Retail and SME lending, digital lenders, BNPL, and embedded finance. We help modernise credit decisioning without losing control of risk.
Credit risk decisions you can defend.
Credit risk consulting for banks, lenders, and fintechs across the GCC and CIS. We help teams set credit strategy, design scoring and decision models, and put the governance in place to use AI in credit with confidence.
Our view
Credit risk is where growth and trust meet.
Every lending business is a set of decisions about who to lend to, how much, and at what price. Get them right and the portfolio grows safely. Get them wrong and losses, regulators, and customers all arrive at once.
We work across the full credit decision: the strategy and risk appetite behind it, the data and models that drive it, and the controls that make it explainable to boards, auditors, and regulators.
- 01Clear appetite.
- 02Sound models.
- 03Explainable decisions.
When teams bring us in
Moments that call for a sharper credit view.
Entering a new segment
You want to lend to SMEs, thin-file customers, or a new market, and need a credit approach that fits the data you actually have.
Models that no longer predict
Scorecards and rules built for another cycle are drifting, approvals are inconsistent, or losses are rising faster than expected.
AI in credit, without a safety net
Machine learning is on the table for underwriting or collections, but explainability, bias testing, and model governance are not yet in place.
What we do
Four moves from policy to portfolio.
We connect credit strategy, data, models, and operations, so better decisions show up in approval rates, losses, and customer experience.
Set the credit strategy
We define target segments, risk appetite, pricing logic, and the limits that keep growth inside acceptable loss levels.
You leave withA credit strategy and risk appetite framework.Design the decision models
We design or review scorecards, rules, and decision flows, including alternative data where it is reliable and permitted.
You leave withValidated scoring and decision logic.Bring AI in safely
Where machine learning improves decisions, we build explainability, fairness testing, monitoring, and human oversight into the model from the start.
You leave withAn AI credit model with governance built in.Govern and monitor
We set up model risk management, validation routines, early-warning indicators, and portfolio reporting that boards and regulators can rely on.
You leave withA model governance and monitoring playbook.
Where it applies
Where we apply it.
Applied AI
Where AI meets credit
Machine learning can sharpen underwriting, fraud detection, and collections. Our Applied AI practice helps prove where it adds value and how to govern it.
FAQ
Questions about credit risk.
What does credit risk consulting cover?
It covers the decisions behind lending: credit strategy and risk appetite, scoring and decision models, pricing and limits, and the governance and monitoring that keep models reliable over time.
Can AI be used safely in credit decisions?
Yes, when it is designed for it. That means explainable models, fairness and bias testing, ongoing monitoring, and clear human oversight, so decisions can be justified to customers, auditors, and regulators.
Do you work with fintech lenders as well as banks?
Yes. We work with banks, specialist lenders, fintechs, and embedded finance providers. The scale differs, but the need for sound, explainable credit decisions is the same.
Which markets do you cover?
We work across the GCC and CIS, including Saudi Arabia, the UAE, Qatar, Oman, Kazakhstan, Uzbekistan, Armenia, and Tajikistan.
Start here
Make credit decisions that hold up under scrutiny.
Tell us where your credit decisions are under pressure. We'll reply within two working days with an honest view on where to start.
Related
Credit risk sits inside our Fintech practice and draws on our Applied AI work.
FintechFintech built to be trusted.Applied AIAI transformation.