Risk & Digital Strategy Consulting

Risk management & regulations

Compliance with risk management regulatory requirements for both accounting and prudential purposes (RAF, TRIM, Stress Tests, IFRS 9 framework, Benchmarking Exercises, integration of regulatory requirements into risk parameters, controls, due diligence, RWA optimization, KYC).

Modeling

Development, fine-tuning, calibration, and validation of regulatory (AIRB) and management models (scorecard monitoring and acceptance, early warning systems, collections, fraud prevention, AML, accounting, IFRS 9), leveraging traditional analytics as well as machine learning and artificial intelligence techniques.

Model Suite

Established, regulatory-compliant analytical models and suites supporting management pathways: including policy optimization and reject inference, monitoring through bureau analytics, IFRS 9 provisioning calculations, benchmarking for AIRB validation, and outsourced fraud prevention/AML models.

Targeting, Prospecting, and Business Development Support

Advanced segmentation and customer targeting through proprietary analytics, powered by artificial intelligence to drive performance growth.

Process Agility

End-to-end process management and optimization, enhancing the digital customer journey across profiling, onboarding, disbursement, monitoring, and NPE management. CRIF experts also design advanced dashboards to accelerate targeted actions and improve management efficiency.

From marketing to application, from customer management to debt collection, from IRB models to IFRS9, CRIF provides advanced analytical models developed with machine learning techniques to minimize the cost of risk through custom and expert models tailored to the specific context of an organization, in line with regulatory requirements.

We provide consulting services for the design and optimization of credit processes aligned with regulatory and business best practices worldwide.