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Lender Support

Growing Lender Support

Client: Any Lender
Project Length: Variable
Personnel: Flexible, depending on need

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Credit risk as a service

Vestigo has experience providing long term support to growing lenders, delivering access to leading credit risk expertise and analytical tools quickly and cost effectively

With an ability to cover all analytical and credit risk challenges through the lifecycle of a loan, Vestigo can provide the capability to reduce bad debt and drive better portfolio performance

Vestigo support spans the entire credit risk spectrum, from product design and pricing, through to end-of-loan workout strategy

Leveraging our advanced capabilities allows new or expanding lenders to achieve their development road-map quickly and efficiently

Design your partnership

Our flexible engagement approach drives a bespoke partnership for every client, allowing you to build the service to match the specific needs of your business in a cost-effective manner

The Vestigo team has hands-on credit risk management experience, including running credit risk functions and providing out-sourced and in-sourced analytics and credit risk services

Practical expert guidance underpins all partnerships with Vestigo, ensuring access to market-leading tools, analytical capability, and industry expertise

Throughout the partnership, Vestigo will be available for ad-hoc consumer lending expertise to quickly answer real-word questions raised by senior management

Benefits of engaging with Vestigo

Put in place a risk governance framework, including the design and production of a comprehensive credit risk report, allowing you to make decisions based on accurate and coherent information.

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Accurately forecast key drivers of your portfolio, such as interest income, and understand how new originations, loan amortisation and seasonality effect your KPIs.

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Achieve a better understanding of the profile of your customers, and design offerings that accurately reflect the associated risk, rather than settling for a one-size-fits-all approach.

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A phased
approach

Phase I: Growing Lender Review

The Vestigo team will hold a short workshop with management and review existing documentation, enabling us to fully understand where the business excels and what areas to target for development.

Vestigo will provide a review document, including a benchmark comparison to other similar lenders and the wider retail sector.

Phase II: Partnership Design

Based on findings in the Growing Lender Review, Vestigo will work with the team to design the partnership that will best allow the management team to achieve their key objectives for the business.

Each engagement will be bespoke to the lender, ensuring the partnership will target the company's specific targets and requirements.

Phase III: Partnership Implementation

The Vestigo team will work closely with the lender's management team in order to ensure the success of the partnership, allowing analytics to drive value to the business and its customers.

By making use of Vestigo's strong pedigree across multiple lending products, the business will benefit from industry-leading solutions that are focused on real-world objectives.