GLOBAL SPECIALISTS

We are a specialist risk analytics consultancy, delivering analytically led solutions for our clients, globally.

CREDIT RISK AND ACTUARIAL

We have an experienced team of over 200 data scientists, who are passionate about delivering data-led solutions for our credit risk and insurance clients.

 

BESPOKE
SOLUTIONS

We work with a range of financial institutions, from Tier 1 banks to global insurers, to design, build and embed our expert solutions.

ABOUT US

EXPERTISE

Founded in 2011, we have grown to become one of the most respected credit risk and actuarial risk consultancies globally. We are specialists in what we do and this passion shines through.

VALUE

We add value by developing long-standing relationships. Our collaborative approach is evident from a large majority of our clients returning time after time. In our 2020 Client Satisfaction Survey, 100% of clients said that they would recommend us.

CONSULTANTS

Our 250+ people are our biggest asset, with teams across the UK, Europe, the Middle East, and India. We have won many awards for being the Best Company to Work For, and this satisfaction shows in our work.

EXCEPTIONAL LEADERSHIP

4most’s CEO, Rob McDowell, is again listed as one of the top influencers in the industry. Fellow professionals nominated Rob who has been recognised as someone who has….

“made a measurable difference in their field.”

(Credit Strategy’s Credit500, 2020 and 2023)

 

Rob McDowell, CEO

 AWARD WINNING

SERVICES AND PRODUCTS


Credit Risk Management

4most Credit Risk Management

Account and Portfolio Management
Behavioural scoring solutions, credit deep dives/asset quality reviews, collateral valuation models, monitoring solutions…

Collections and Recoveries
Enhanced analytics, process improvement, regulatory support, tailored contact strategies…

Credit Decisioning - Systems
Solution support, independent/platform agnostic, data and analytics, partnership…

Decision and Credit Strategy
Acquisition strategy, affordability strategy, risk appetite, scorecard development…

Pricing
Pricing optimisation, risk-based pricing, return on equity pricing, take-up rate modelling…

PRUDENTIAL RISK

4most PRUDENTIAL RISK

Assurance and Validation
Full model lifecycle, flexible approaches, full transparency, detailed documentation…

Capital (IRB/Standardised), Impairment (IFRS 9) and ICAAP
IRB applications, model development and monitoring, risk management framework validation…

Climate Risk
Climate risk measurement, climate reporting and disclosures, climate education and training scenario analysis…

Policy, Standards and Governance Frameworks
Risk management framework, formal documentation, grouping of risks, analysis of links…

Economics Services
Economic modelling, forecasting, stress testing and consultancy…

INSURANCE

other services

4most credit risk services

Financial Planning and Analysis Support
Accounting models, transaction support, climate and ESG disclosures, portfolio analytics…

Regulatory Compliance
Consumer duty, persistent debt, TCF…

PRODUCTS