Origination & Decisioning
Elevate business performance through strategic customer decisions. We specialise in bespoke credit and decision strategies, guiding our clients to assess creditworthiness, affordability, and risk appetite. Empower your business with tools for consistent, well-informed decision-making.
What we offer
Origination strategy
Our team has extensive experience designing and implementing origination strategies, designing bespoke solutions (or enhancing existing ones) for lenders. We support the statistical analysis required to inform strategy design and help understand interactions between score, business policy and decision rules.
Affordability strategy
Leverage the power of your internal transactional level data, use ONS data, or take advantage of our proprietary transactional data sources to deliver regulatory-compliant affordability models and supporting strategies that are appropriate for your customers. Monitor and optimise your affordability strategies and enhance risk reward.
Scorecard development
Explore our advanced scorecard development framework, integrating both traditional and Machine Learning methodologies. Tailored for each objective, our approach ensures we use the most suitable methodology, delivering sophisticated and effective scorecard development solutions for all portfolio types.
Risk appetite
We can support the development and monitoring of a Credit Risk Appetite Statement that is reflective of business constraints. We help businesses understand how their portfolios will evolve in different scenarios, allowing them to optimise sustainable performance and adapt strategies accordingly.
Enhanced MI and reporting
Discover LUMOS, our automated monitoring suite for standardised model and strategy tracking. Streamline data exploration and ‘what if’ strategy analysis with ease, ensuring efficient and interactive monitoring of models and strategies.
Why choose 4most?
250+ consultants
Each with our own specialisms, experience, and insights. When you work with one of us, you work with all of us.
Trusted 100%
Our track record speaks for itself. In our most recent Client Satisfaction Survey, every single one of our clients recommended us.
Tailored to you
We take the time to understand your unique challenges so that we can deliver bespoke solutions that truly make a difference.
True specialists
There’s experts, and then there’s specialists. We live and breathe risk analytics consulting every day, which means we stay in tune with the latest trends.
Key contacts
Daniel Mclean
Torgunn Ringsjø
“We are delighted with how 4most has helped profile our customers better and aided streamlining our credit and decision strategies.”
Got a question about our Origination & Decisioning service?
Get in touchInsights
4most Wins National Credit Awards Prize for Best Use of Technology – Significant Advancements in Modelling Borrower Affordability in Lending Decisions
23 Oct 23 | Banking
The Bank of England Raises Interest Rates to 5%: How accurate is your modelled expenditure during these fast-changing times?
21 Jul 23 | Banking
