Credit Risk
Optimise Your Risk:Reward
Pinnacle’s Credit Risk practice offers diagnostic health-checks, consultancy and educational services, tailored to meet your specific needs. Our credit risk experts have held senior executive positions in retail consumer finance organisations, often as CRO and can operate at both the tactical and strategic level.
Our credit risk expertise spans both consumer and SME lending, the entire credit spectrum and the full range of asset products from mortgages to credit cards to personal loans to payday loans.
How we can help you...
Diagnostics
Application and behavioural scorecard performance reviews
AML policy and procedure audits
Underwriting system reviews
Roll-rate and bad debt provisioning model health-checks
Collections performance reviews
Credit risk reporting audits
Consultancy
Application and behavioural scorecard development
Credit limit assignment policy development
Development of AML policies and procedures
Risk-based pricing deployment
Risk-based re-pricing deployment
Basel III model development
Collections strategy development
Development of affordability models
Advisory
Credit reference agency selection and utilisation
Support for regulatory permission submissions (e.g. authorisation to trade)
Portfolio due diligence
Education
We offer an extensive range of both public and client in-house credit risk workshops.
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See the Pinnacle Education Curriculum for more information.
Fraud
Minimise Your Fraud Losses
Our Fraud Practice Area offers health-checks, best practice advice and implementation support to retail financial service organisations around the world.
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Key areas of expertise include:
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Identification, prevention and mitigation of application, transaction and identity theft fraud
How we can help you...
Diagnostics
Benchmarking fraud performance against industry and peer group
Software performance health check
Fraud operational process health checks
Consultancy
Maximising operational capability
Mitigating risk in product launches
Fraud detection software implementations
Fraud scorecard design
Third-party supplier management and reviews
Application fraud prevention
Creating PEPS and Sanctions processes
Organisational design to support fraud prevention
Recoveries process development
Advisory
Evaluation of fraud prevention systems
Vendor negotiations
Law enforcement engagement
Scheme relationships and compliance
Education
Understanding the fraud lifecycle
Fraud prevention best practice
Defining the fraud prevention culture
Future proofing against fraud