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Credit Risk for Lenders

Expertise across the whole credit cycle

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The Vestigo team undertakes credit risk, modelling & analytics activities for a number of lenders

Our expertise extends from large banks to non-traditional and specialist lenders

Working with consumer and SME lenders
Experience across unsecured, secured and revolving loans
In-depth knowledge of performing and non-performing lending assets

Experienced analytics and credit risk professionals


  • Policy rule design
  • Bespoke scorecard build
  • Machine Learning modelling
  • Affordability strategy creation
  • Open Banking implementation
  • Fraud rules and model build

Portfolio Management

  • Portfolio monitoring service
  • Credit card limit management

  • Behavioural score modelling

  • Portfolio stress testing

  • Credit Risk reporting

  • Consumer Duty requirement support

Collections & Recoveries

  • Model Build for IFRS 9
  • Collections strategy review

  • Arrears monitoring and forecasting

  • Collections team incentivisation

  • Operational review

  • DCA panel management

Debt Sale & Funding Support

  • Non-performing loan (NPL) pricing
  • NPL debt sale support

  • Cash flow forecasting

  • Sell-side portfolio valuation

  • Financial model review

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We build analytical solutions that are focused on your real-world objectives

Vestigo Partners are a team of experienced and dynamic analytics and credit risk professionals established in 2017.

With a strong pedigree in financial services and credit risk, and experience across a broad range of lending products and markets, we deliver comprehensive, actionable solutions to drive your business forward.

Experienced risk and analytics consultancy

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Building analytical solutions that are focused on your real-world objectives

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