WHAT WE DO
Our Banking practice provides the following services:
We analyse customer behaviour and create segmentation models to help our clients understand those customers better. We also use predictive analytics to assist in predicting account closures, dormancy, propensity to take-up new products, loan prepayments and defaults.
Insight guides action, and small improvements in customer behaviour have dramatic effects on our clients’ financial results.
We ensure enhanced revenue by optimising pricing frameworks used for banking products and services.
We develop models for our clients to gain a better understanding of the risks faced in their businesses, and then to manage unexpected outcomes. Key risks modelled include credit risk, market risk, operational risk and liquidity risk.
By analysing our clients’ credit portfolios we help our clients better understand the risk-return characteristics of their portfolios and identify ways of optimising the risk-return trade-off.
We project contractual and behaviour cash-flows arising from assets and liabilities under a range of scenarios to assess liquidity and interest-rate risks in banking.
We validate risk models used for loss provisioning and determining capital requirements.
We design and optimise targeted marketing campaigns, as well as the evaluation of the effectiveness of our own and other such campaigns.
We use a range of financial modelling techniques to assist in budgeting, business case/product development, and corporate valuations. Actuarial techniques and perspectives provides a unique insight and ability to manage your business.
A quantitative process that ranks customers in terms of the likelihood of occurrence of a specific event. Scorecards, combined with other business strategies such as expected approval rates, profit, collection and losses, are used as a basis for the decision-making.
We help our clients with the design, modelling and management of Loyalty and Rewards programmes to drive profitable behaviour, increase customer retention and drive new acquisitions. We assess risk, estimate rewards liabilities and calculate ROI on rewards initiatives. We also extract value from the rich customer data collected through rewards programmes to generate a more holistic understanding of customer needs.
We design robust policies, which allow companies to take stronger control of the approval of loans process, setting minimum requirements such as income and credit bureau ranking. These policies form a critical component of companies’ internal control processes for regulatory compliance.
We help companies achieve target levels of collection success in terms of both profits and costs incurred. We design collection initiatives that improve profitability, service and cash collected whilst reducing operational costs. In addition, these strategies identify clients by their probability of default and test alternative collection treatments.
We help to reduce companies’ losses by designing customized payment solutions for their clients, for example loan restructuring products or settlement agreements.
We develop a selling strategy to identify and evaluate a segment of a portfolio and propose a selling price according to desired objectives.
On 23 December 2022 the Central Bank of the UAE published Model Management Standards and Guidance. The Standards present mandatory modelling practices to be implemented by banks in the UAE and cover general standards applicable to all models as well as specific requirements for the application of these standards. The supplementary Guidance contains recommended principles related to technical aspects specific to certain model types.
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