RISK FRAMEWORK SETUP
What We Build
Enterprise Risk Framework — From Zero End-to-end risk governance for pre-launch digital banks, fintechs, and lenders building their risk function for the first time. Rare territory — most risk managers have maintained frameworks, never built one from blank sheet.
ICAAP — From Scratch Internal Capital Adequacy Assessment Process designed from scratch — stress scenario construction, capital quantification across risk types, and the cross-functional coordination with Finance and business lines. Not a regulatory document exercise; a live capital decision the Board, investors, and regulator can all rely on.
Individual Risk Policies Design and documentation of policies across all risk domains — credit, fraud, operational, financial, model, cyber, IT, ESG, and AI governance. Specialist input brought in where needed; We hold the integration, coherence, and Board-readiness.
Lending Products & Programs Design and documentation of consumer and commercial lending products — eligibility, pricing, underwriting, and collections aligned to target portfolios.
Credit Operations Systems Implementation of Loan Origination (LOS), Loan Management (LMS), Collections (CMS), Fraud Management (FMS) systems, Project Management.
How We Work
Built from the seat of accountability. Twenty-four years at Citi and founding-team CRO experience at a digital bank — frameworks designed knowing they'll face internal audits, regulatory exams, and real loss cycles.
Where specialist depth is required — cybersecurity, advanced IT controls, quantitative model validation — we lead the framework design and engage domain experts to ensure full coverage. The integration and regulator-readiness stay with us.