Our Values
Legacy - Leaving yours and ours in a better place when we leave.
Safe spaces - Allowing innovation, diversity and respectful challenge to flourish.
Adaptability - Not allowing ourselves or each other to be held back by ignorance of progress.
Risk awareness - Not shying away from taking risks but understanding their role in the generation of value.
Collaboration - Building your internal capabilities together, to drive independence, resilience, and long-term success.
Integrity - Building relationships rooted in respect, so we are brave enough to say 'no' and trust each other when we say 'yes'.
What We Offer
An understanding of Financial Credit Risk Management, whether it relates to credit risk of companies that operate within the financial sector or companies that are exposed to credit risk as a byproduct of their core business. Our analytical skillset, with practical experience to back it up, aims to support your business whether by way of giving advice, building or hosting solutions, independent reviews, executing from inside of your business, training or benchmarking.
Originations
Application scoring
Affordability
Credit pricing
Leads generation
Customer profiling
- Take-up analysis
- Customer value
Portfolio Management
IFRS 9 ECL
Stress-testing
Risk Appetite
Economic Capital
Regulatory capital
- Basel IRB
Forecasting/budgeting
Product profitability
Customer valuation
Debt book valuation
Balance sheet optimisation
Macroeconomic modelling
Collections
Collections scorecards
- Early stage
- Late stage
- Legal stage
Bad debt valuation
- Debt sales
External Debt Collectors
Governance & MRM*
Target operating models
*Model risk management
- Validation
- Monitoring
- Frameworks
Ivan du Plessis
Director
Who We Are
A seasoned professional in the credit risk management field, having spent my time developing and reviewing a broad range of models and risk processes. I’m an analytics expert who has operated at various levels, from foundational work to managing teams. Within clients' organisations I apply my skills where they deliver the most value. My eye for detail has served me well, while my breadth of experience evidences my ability to work at pace.
I have worked within banks (10 years in retail, SME and wholesale credit) and consulting (7.5 years) and served as a firm partner leading a Credit Risk Advisory business.
My first-hand experience within industry and the time I've spent with consulting clients have helped me engender a very pragmatic approach to creating solutions.
17 years industry experience
BSc (Hons) Financial & Actuarial Mathematics
'CRO-for-hire'
Who We Serve
Stakeholders prioritise different elements of risk management outcomes. CROs are looking for assurances on risk sizing, CFOs for accurate accounting of those sized risks, and Heads of Credit for an edge over the competition. Those involved in the modelling lifecycle - developers, validators, auditors, and risk committees - play a crucial role in shaping the right outcomes for stakeholders while also being stakeholders themselves. It is all of these players that we serve, and we do so across a number of industries:
Telecommunication
Retail
Hospitality
Manufacturing
Energy
Transport
Healthcare
Utilities
Financial Services
Debt Collection
What You May Be Asking
“The loans provisioning standard is difficult to interpret but I’m still convinced it’s too complex for our business. How do I gain enough understanding to decide how much to invest here? How do I build the right team to support me?”
Insurer/Retailer CFO
“My external auditor is keeping me awake with challenges on my asset valuations. I don’t have the skillset in-house to assess whether the findings are fair nor how judgmental. I also can't see how the industry is dealing with similar findings.”
Retailer/Telecom CFO/CRO
“The data doesn’t tell me what my customers want, or we don’t know how to see it. I can't tell what product to offer a new or existing customer next. Maybe our competitors are doing it right because I see our customers going there, unless it's something else.”
Bank/Product
CEO
Why Choose Us
Our strategy, values and diverse experiences come together in a valuable package. We are equipped to tackle your toughest challenges - whether taking them off your plate or solving them alongside you. We work independently but value collaboration where it matters most.
We do what we do to better you and ourselves and aim to get you to a place where you can think and act more proactively instead of reactively as challenges arise. This is what demonstrates the value we deliver for your investment.
We take risks but we play by the rules to ensure risk does not become unpalatable and value-degrading: continual risk awareness, internal project controls, self-assessments, contingency planning, data & IP protection, and broad collaboration.
Our approach ensures you’ll want to work with us again.