Credit Risk.
At Risk Advis, we help financial institutions and corporates understand, measure, and manage credit risk across the entire credit lifecycle.
Our approach combines deep regulatory insight, robust analytics, and practical implementation expertise — enabling clients to strengthen portfolios, enhance capital efficiency, and make confident lending decisions in an increasingly complex environment.
Our Credit
Risk Services
1. Credit Risk Framework Design
We develop tailored frameworks aligned to your business model, regulatory obligations, and risk appetite.
Our team ensures clear governance structures, defined limits, and effective control mechanisms — supporting both compliance and commercial growth.
2. Credit Risk Modelling & Validation
From probability of default (PD), loss given default (LGD), and exposure at default (EAD) models to IFRS 9 and stress testing, we help clients build and validate models that are compliant, transparent, and fit for purpose.
Our experts bring hands-on experience with both advanced IRB and standardized approaches.
3. Portfolio Analysis & Stress Testing
We perform deep-dive reviews of your credit portfolios to identify concentrations, emerging vulnerabilities, and capital impacts under adverse scenarios.
We also design stress-testing frameworks that align with regulatory guidance from the Basel Committee, PRA, and EBA.
4. Regulatory & Capital Advisory
Stay ahead of evolving regulatory expectations.
We assist with Basel III/IV implementation, ICAAP preparation, credit risk mitigation (CRM) techniques, and data traceability — helping you demonstrate a strong and defensible risk culture during supervisory reviews.
5. Credit Policy, Processes & Controls
We help define and enhance credit policies, underwriting standards, and early warning systems to strengthen credit discipline.
Our practical approach bridges strategy and execution, ensuring risk frameworks work effectively across first and second lines of defense.
6. Technology & Data Enablement
Our consultants integrate risk analytics with data and system architecture to improve efficiency and decision-making.
We work across major credit and risk platforms, leveraging automation and reporting tools to ensure accuracy, transparency, and scalability.
Why Choose
Risk Advis
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Specialist expertise across retail, corporate, and wholesale credit portfolios
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Independent and practical — no off-the-shelf answers, only tailored solutions
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Regulatory credibility — deep understanding of supervisory expectations and reporting requirements
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Hands-on support — from framework design and model build to remediation and assurance