Cookies

This website uses cookies for analytics purposes. Learn more

Get in touch
Credit Risk for Lenders

Expertise across the whole credit cycle

Sergey zolkin Ue Y8a TI6d0 unsplash

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
Get in touch

Experienced analytics and credit risk professionals

Underwriting

  • 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

Anthony tyrrell Bl Li SJ Onl Y unsplash

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.

Who we are
Tobias Gruber
Co-Founder & CEO - Amplifi Capital
“Engaging long-term with Vestigo has allowed my senior team and I to focus on growing the wider business, knowing that the Credit Risk resource and output needs were met in a diligent, analytically sound and rapid manner.”
Towfiqu barbhuiya Q69ve Nk1i JQ unsplash
Craig Hinchliffe
CEO - Perch Group
“Vestigo have worked with Perch on several projects, to help us build and improve our reforecasting processes and models as part of our growth plan. The Vestigo team quickly adapted to changing circumstances to deliver results that exceeded our expectations.”
Andrew neel cckf4 Ts H Auw unsplash
Dominic Maher
COO - Foundation Home Loans
“Foundation have worked with Paul and the Vestigo team for a number years across a variety of successful projects. The relationship has developed into an extremely positive partnership culminating in our confidence to seek Vestigo’s support in temporarily running our data function during a period of change.”
Sergey zolkin Ue Y8a TI6d0 unsplash
Andy Hockley
Non-Exec Director - My Community Bank
“We have always been very pleased with the work Vestigo have done for us at My Community Bank. Very practical, insightful and actionable.”
Towfiqu barbhuiya Q69ve Nk1i JQ unsplash

Explore our other services

02
Commercial Analytics
Vestigo builds analytical solutions that are focussed on your real-world objectives. We work with cross-functional teams to ensure business decisions are data-driven and informed, with projects ranging from pricing and acquisition funnel optimisation, to new lending product strategy.
Dylan calluy Jpflvz El5cg unsplash
03
Vision: Reporting as a Service
Vestigo Vision leverages the deep lending experience of the Vestigo team, delivering industry-leading reports each month. With a pyramid design, reports are designed to offer immediate insight to users of all levels, putting the right information in front of the right people.
Joshua sortino Lq Khn Dz SF 8 unsplash
04
Private Equity & Investor Support
With deep experience working with investors in consumer and SME lending, Vestigo helps to enable considered investment decisions. The team's experience ranges from undertaking capability reviews of the target to fully-fledged data-driven due diligence, including cash flow forecasting to feed into the investment model.
Christian wiediger F8 IAN0ly FJU unsplash 1
05
Business Recovery & Administration
Vestigo’s business recovery support allows administrators or insolvency practitioners to focus on the bigger picture, knowing that analytics and portfolio reporting are in hand. Vestigo also have extensive experience of asset sale processes, including debt sale, to assist in the managed wind-down of a portfolio.
Towfiqu barbhuiya n Apa Sgkzaxg unsplash

Experienced risk and analytics consultancy

Benjamin davies Oja2ty 9 ZLM unsplash

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

Work with us

Get the latest news from Vestigo

Sign up below to receive future Vestigo news and updates to your inbox.
© Copyright 2024 Vestigo Partners Ltd Registered Company Number 10826517 | T&Cs | Privacy Policy
Web Design MadeByShape