We work as practitioners inside your team rather than as a parallel programme. Every engagement is defined by the decision it changes and the metric that should move.
The book is leaking.
Where the book is leaking, and by how much. Acquisition, approval, portfolio action and collections examined against expected value.
The book needs to grow.
A line management, activation, repricing, retention or collections programme designed and tested against a control group — measured, handed over, and built as a repeatable cycle rather than a one-off campaign.
The decisions are wrong.
A scorecard, an NPV decisioning framework, a pricing structure or a rebuilt credit policy — developed, validated, documented and handed over with transfer of method rather than delivery of an artefact.
There is no credit function yet.
Standing up the credit function of a new lender.
Retained advisory
Runs alongside any of the above — access between cycles, and a second opinion on decisions that are difficult to reverse. Available at CRO, chief data officer, chief credit officer or founder level.