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Credit Risk Review of Lender
- Client: Leading Private Equity Fund
- Project Length: 3-4 Weeks
- Personnel: Partner, Principal + Analyst Team
Background
A private equity firm was interested in investing in a UK specialist fintech lender
They needed to assess the capability of this business against a quickly evolving market to understand the credit risk processes and the scope for growth
With the business itself changing quickly, the client needed to fully understand the dynamics and drivers in the business
Engagement
The Vestigo team undertook a full credit risk review, understanding the real strengths and weaknesses of the innovative fintech business model
This was supplemented with detailed ground-up data tape analysis to assess real-world performance
The review identified clear areas of opportunity and scope for driving further competitive advantage
In addition, this highlighted some important process gaps, which were relatively simple to fix but if unchecked risked FCA censure alongside increased risk of serious credit losses
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Vestigo team
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