Boutique analytics firm specializing in retail finance and consumer lending. From antifraud and underwriting to collections and portfolio management -- we bring battle-tested expertise from high-volume lending operations across Asia and emerging markets.
End-to-end analytics across the retail lending lifecycle -- from origination to collections, powered by deep domain expertise.
Independent validation of retail credit risk models across the full lending lifecycle -- from application scoring to behavioral and collection models.
Protect revenue and optimize approval rates with advanced fraud detection and underwriting decision engines.
Maximize recovery and optimize portfolio performance with data-driven collection strategies and early warning systems.
Custom ML models and analytics solutions for retail finance -- from customer lifecycle management to real-time decisioning.
Meticulous accuracy in every data-to-insights transformation. We treat each engagement as a bespoke project demanding the highest standards of analytical rigor.
Merging industry knowledge with advanced analytics capabilities. Our team brings decades of hands-on experience in retail lending, consumer finance operations, and data science across emerging markets.
Custom solutions with boutique-level attention to detail. No cookie-cutter frameworks -- every recommendation is tailored to your specific context and objectives.
Deep expertise across retail finance and consumer lending markets, with a strong focus on Asia and emerging economies.
Scoring, underwriting, collections, and portfolio analytics for consumer lenders, microfinance, and BNPL providers.
Retail banking risk analytics, model validation, regulatory compliance, and enterprise risk frameworks.
AI-driven credit decisioning, real-time scoring, alternative data strategies, and responsible lending frameworks.
Telco lending, device financing, credit scoring for thin-file customers, and payment behavior analytics.
Consumption forecasting, load prediction models, pricing optimization, grid stability analytics, and renewable energy output modeling.
Demand forecasting, customer segmentation, pricing optimization, and recommendation engines.
Selected engagements showcasing the depth and breadth of our analytical capabilities.
Validated 20+ application, behavioral, and collection scorecards across cash loans, POS finance, and credit cards. Included discriminatory power assessment, calibration testing, stability analysis, and cut-off optimization impacting 30M+ active customers.
Built and validated a multi-layered antifraud model framework covering application fraud, identity fraud, and transaction fraud. Reduced fraud losses by 40% while maintaining approval rates through optimized decision rules and ML ensemble models.
Redesigned collection scoring and contact strategies across 5 Asian markets. Implemented early warning models, optimized treatment allocation, and built recovery prediction models -- resulting in 15% improvement in cure rates and significant cost reduction.
Perspectives on model risk, regulatory trends, and the evolving analytics landscape.
In emerging markets, traditional bureau data is scarce. We explore proven approaches to building effective credit scores using telco, e-commerce, and behavioral data -- and the validation challenges they bring.
Read More →Overly aggressive fraud rules destroy conversion. We share a framework for optimizing fraud detection thresholds to maximize net revenue while keeping losses within appetite.
Read More →Modern collection strategies go beyond simple delinquency buckets. We discuss how behavioral scoring, contact optimization, and channel selection models can dramatically improve cure rates.
Read More →Validating models at scale across multiple countries and product lines requires a different approach than traditional banking. We share hard-won lessons from validating 200+ retail finance models.
Read More →A team of seasoned practitioners with deep expertise across analytics, risk, and regulation.
15+ years in retail credit risk analytics and model validation. Previously led model validation at Home Credit International across multiple Asian markets. Expert in application/behavioral/collection scoring, antifraud models, underwriting optimization, and portfolio management at scale.
Experienced director in finance, risk management, and business strategy. Previously Director at PwC (Finance & Risk Advisory) and Manager at Deloitte (Financial Services Advisory). Specializes in digital business models, performance management, and FinTech/Real Estate projects.
Co-Founder of Skygena and ADDVERY. Former CEO of Zonky (peer-to-peer lending) and VP of Operations at Eldorado. 15+ years driving digital transformation, CRM strategy, and data-driven business models across FinTech, retail, and e-commerce in CEE markets.
Statistical and AI modeling specialist with hands-on project experience in financial services, predictive analytics, and social network listening. Combines strong quantitative skills with practical business insight to deliver actionable data solutions.
Ready to elevate your analytics capabilities? We'd love to hear about your challenges.
Revoluční 1082/8
Nové Město (Praha 1)
110 00 Praha
Czech Republic