Origination Strategy
How an application becomes a decision. Who you approve, on what terms and at what price.
Banking Credit
Risk
Who you lend to, how the book performs afterwards, and what it provisions and holds in capital.
Our Credit Risk Services
Credit Portfolio Management
What happens after you have said yes. How the account behaves, what it earns, and the early sign that it is turning.
IFRS 9
The provisions you report and the scenarios behind them, from the loss models through to the year end disclosure.
IRB
The internal models behind your credit risk capital, from build and validation through to the supervisory application and the packs that follow.
Collections
Customers in arrears: who will recover, who needs support, and how you reach them.
Specialist Lending
Credit risk where the borrower is a business, an asset or a project rather than a consumer, and the data is thinner for it.
Frequently Asked Questions
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At Gini we work across the lifecycle: IFRS 9 expected credit loss, IRB models under both the advanced and foundation approaches, origination scorecards, affordability and pricing, behavioural and collections models, and the dashboards reporting provisions, risk weighted assets and model performance to the board. Models are built from scratch or independently validated.
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Yes. Gini’s validation covers discrimination, calibration and stability, the segmentation the model rests on, and whether the documentation lets a reviewer reproduce the figures. Where we disagree with your number, we build an independent challenger from the data and show you exactly where the two diverge.
Banking Case Studies
Banking
Independent validation of a Pillar 2A concentration add-on
A European bank needed to know that the capital it holds against concentrated lending would stand up to scrutiny, so it asked us for an independent view of the model behind the number.
Banking
Redeveloping every IFRS 9 model across two portfolios
A UK lender needed every model in its IFRS 9 expected credit loss suite rebuilt, at the point when the team that had built them was no longer there.
