Corporate Consultancy & Advisory

Access to Highly Specialised Credit Risk and Data Science Consultants, when you need them.

The Kadre team consists of some of Australia’s best Credit Risk and Data Science Experts with demonstrated expertise ranging from top tier Australian banks, Energy and Telco clients through to the smallest fintech start-ups and everything in between. That’s why if you need specific expertise within Credit Risk, Kadre is your answer.

At Kadre, we do all the hard work for you. We bring a fresh set of eyes and a different thinking and mindset to respectfully challenge the status quo and help you to implement top of the range solutions.

With our diversity of experience, skills, and industry knowledge, we can quickly piece together a tailored solution just for you.

Email us to find out more.

Core Competencies

Advisory

advisory

Comprehensive Credit Reporting (CCR)
Responsible Lending
IFRS9 Bad Debt Provisioning
Open banking
Board risk appetite
Enterprise Risk Framework
Operational risk and compliance framework
Evaluation of decision systems or analytic platforms

Credit Policy and Strategy

Development and implementation of Risk Based Pricing
Cut-off evaluation, policy rules and limit assignment
Champion/challenger programmes
Optimisation algorithms

Credit Origination

Credit Origination

Fraud detection
Pre-qualification
Identity verification
Loan servicability
Fulfilment and settlement

Credit Bureaux

Credit Bureaux

Data and product identification and evaluation across Australia and New Zealand
Multi bureau strategy
Market evaluation and bench marking analysis
Vendor review and selection

Modelling and Validation

Modelling and Validation

Scorecard development
Reject inference
Behavioural model development
BASEL model development
Customer churn and retention
Model fine-tune and recalibration
Model validation
IFRS9 Models

Bank Statement / Transaction Data

Bank Statement / Transaction Data

NLP categorisation
Income and expense estimation
Serviceability modelling

Portfolio Management

Portfolio Management

Evaluation of portfolio performance and improvement
Customer churn and retention strategies
Automated monitoring suites: strategy adherence, risk profile, vintage analysis, static loss, override tracking.

Capital, Provisioning and Stress Testing

Capital Provisioning

Development and evaluation of capital and IFRS9 provision models
Model compliance, accuracy and evaluation of management judgement and overlays
Stress testing and economic modelling for: capital, bad debt, IFRS9, provisions and losses.

Collections and Recoveries

collections

CCR in operations and strategy
Recovery strategy evaluation
Collections modelling and prioritisation
Vulnerable consumer regulation and policies
Technology and vendor review

Debt Purchase / Contingent

Acquisition due diligence
Compliance review
Data and strategy review
Provider selection and review
Vintage forecasting and Net Present Value modelling.

Due Diligence

risk

Capital model evaluation
Portfolio performance review and input into proforma financial model
IFRS9 Provision model development and evaluation
Risk management policy review and development (Credit, Operational, Compliance, Strategic).

Monitoring and Reporting

monitoring

Credit portfolio monitoring solutions
Strategy adherance and benchmarking
Capital and provisions
ML model monitoring – discrimination, accuracy, stability, characteristic analysis, model refit.