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Credit risk, governance, and decisioning systems your CRO can prove to your regulator.

For regulated banks, credit bureaus, lenders, and insurers.

From the CDO chair at a national credit bureau. The credit risk, reporting, governance, BI, and decisioning systems regulated FIs actually run on — built, governed, and shipped.

Take the Credit Risk DG assessmentOr book a discovery call
Common roadblocks

Is your programme delivering? Common challenges we see in financial services.

  • To

    SR 11-7-aligned model risk framework

    Validation packs the regulator signs off on, real-time monitoring with risk-appetite triggers, and audit responses inside 48 hours.

  • To

    ECL models that tie out and stay tied out

    IFRS 9 ECL reconciled to the general ledger every cycle, with explainability your CFO can carry into the audit committee.

  • To

    Production scorecards on real infrastructure

    Champion-challenger framework, sub-second scoring API, version-controlled, governed, and auditable end-to-end.

  • To

    BCBS 239-grade data quality, by design

    200+ DQ rules in production, 95.6% DQI, automated lineage that defends every regulatory submission you make.

  • To

    Customer-360 with auditable entity resolution

    Watch-list integration, deterministic + probabilistic matching, false-positive reduction analysts actually feel.

  • To

    GenAI in customer-facing flows, safely

    Foundations strong enough, guardrails baked in, audit trails and PII handling the risk committee approved.

From

Audit findings on model risk you can't close

Validation evidence incomplete, monitoring reactive, the regulator asking questions the team can't answer fast enough.

Transformation
To

SR 11-7-aligned model risk framework

Validation packs the regulator signs off on, real-time monitoring with risk-appetite triggers, and audit responses inside 48 hours.

What we deliver

Six concrete capabilities, applied to financial services.

  • Credit risk modelling, scorecards & model risk

    Production-grade scorecards from data prep through monitoring, plus SR 11-7-aligned model risk infrastructure. National-scale Gini 0.85. Validation evidence regulators have accepted.

  • Regulatory reporting (IFRS 9/17, BCBS 239, APRA, SAMA)

    ECL models, reconciled regulatory reports, and the documentation behind them. Built on data lineage your CFO can defend.

  • Data governance, quality & lineage

    200+ DQ rules in production at national scale. 95.6% DQI. Lineage and controls that hold up under regulator review.

  • Decisioning systems & A/B testing

    Real-time decisioning with champion-challenger built in. The platform you need to iterate on credit, fraud, and pricing decisions.

  • AML/KYC & entity resolution

    Customer-360, watch-list integration, false-positive reduction. Auditable, scalable, regulator-ready.

  • Data engineering, BI & analytics

    Modern data platforms (dbt, ClickHouse, Snowflake, Databricks) — the warehouse under your regulatory submissions plus executive BI that reconciles.

Outcomes

What financial services actually want from a senior data programme.

  • Audit-ready by design — evidence trails, lineage, and governance built in from day one, not bolted on for examination.

  • Models that survive regulatory scrutiny — validation, monitoring, and challenger frameworks aligned to SR 11-7 and BCBS expectations.

  • Reconciliation that actually reconciles — IFRS 9 ECL numbers, regulatory reports, and management accounts that tie out and stay tied out.

  • Decisioning at production speed — A/B testable, monitored, with the controls credit committees expect.

  • Less manual rework, more analyst capacity — governed data means analysts spend time on decisions, not on data hunting.

  • AI readiness without governance gaps — foundations strong enough to put GenAI in customer-facing flows without regulatory risk.

Why us

The credibility that backs the work.

  • 01

    Eight years operating a national credit bureau

    We've sat on the regulator's side of the table — BCBS 239, SR 11-7, SAMA.

  • 02

    Production at scale

    Shipped a Gini 0.85 ML credit score, 200+ DQ rules at 95.6% DQI, and executive BI on a dbt/ClickHouse warehouse — all running daily under regulatory oversight.

  • 03

    Cross-sector financial-modelling depth

    Five years at a corporate credit rating agency, rating corporate credits across telco, utilities, property, transport, construction.

Free benchmark

Want to benchmark your own programme against BCBS 239 & SR 11-7?

Under 10 minutes. Free, personalised report.

Selected work

From regulated FI delivery.

Ways to engage

Three productised paths in.

  • Engagement

    Data & AI Maturity Audit

    4 weeks

    Four weeks. A comprehensive maturity audit covering governance, platform fitness, AI readiness, and regulatory exposure. 25-page deliverable, 90-day roadmap, executive workshop. The audit your board needs before signing off on the next data investment.

    USD $10,000–$12,000

    Commission the Audit
  • Engagement

    Data & AI Sprint

    6 weeks

    Six weeks of focused delivery for FS programmes responding to a regulator finding or audit issue. Outputs: governance framework, model inventory, remediation plan, regulatory mapping (BCBS 239, SR 11-7, IFRS 9/17, APRA, SAMA where relevant).

    USD $15,000–$18,000

    Scope a Sprint
  • Engagement

    Fractional Head of Data

    Monthly retainer

    Senior data leadership without the full-time hire. 8–12 days a month: team management, stakeholder representation, build oversight, regulator-facing accountability. We embed in your operational rhythm — leadership team meetings, board updates, vendor relationships, hiring panels. The CDO function, on retainer.

    USD $10,000–$18,000 / month

    3-month minimum

    Discuss Fractional
Adjacent benchmark

Building AI in regulated financial services?

Benchmark against EU AI Act · NIST AI RMF · ISO/IEC 42001. Free, 8 minutes.

Building credit risk and data systems your regulator should trust? Let's talk.

A thirty-minute discovery call — no deck, no pitch. We listen, ask hard questions about your risk programme, and tell you whether the work we do is the right fit.

Take the Credit Risk DG assessment Book a discovery call