4most Europe Ltd is a specialist credit risk analytics consultancy. Our consultants have extensive experience developing and implementing scorecard models through the customer lifecycle in both secured and unsecured lending in the retail banking, credit card and debt management sectors.
The continued volatility in the banking sector after the near melt-down in 2009 has brought about a raft of new legislation relating to liquidity and risk, most notably the Basel III regulatory capital amendments and the new global accounting framework, IFRS9, which will have a significant impact on how financial services companies will now be required to record losses. These will place a huge burden on already overstretched risk analytics departments, particularly with respect to stress testing and impairment models, at a time when permanent headcount is often being reduced to achieve required cost savings.
Our intention is to work with you to understand the impact of these changes on your organisation and to help you implement and deliver while minimising additional workload. Our consultants will add value to your team and where appropriate facilitate skills transfer to your in-house analysts.