IFRS 9 impairment
End-to-end impairment modelling: PD / LGD / EAD components, staging logic, forward-looking macro-economic overlays, and post-model adjustments.
We also build the supporting governance — model-monitoring dashboards, back-testing frameworks, and audit-ready documentation.
Regulatory and economic capital
IRB and standardised-approach capital under Basel, SAM capital for insurers, and economic-capital frameworks that tie risk to strategy.
Stress testing and scenario analysis that boards can actually act on.
Credit scoring and decisioning
Application and behavioural scorecards, segmentation, and champion-challenger design for origination and collections strategies.
