Income Predictor
Income and repayment-capacity estimation for underwriting and origination — explainable models, MRM validation, and controlled deployment.
Banking & Finance / Banking
Credit risk, scoringand modelgovernance.
Credit risk and scoring, customer segmentation, and independent model validation and governance for Tier 1 and Tier 2 institutions.
Credit Risk & ScoringCustomer SegmentationModel RiskValidation & Governance
Credit Risk
From credit scoring to credit stress testing.
Model development, validation, and monitoring — including applied AI initiatives such as income predictors.
PD · LGD · EAD
Development and validation of credit-risk components, segmentation, and forward-looking overlays.
Stress & concentration
Macro scenarios, sector and geographic concentration, and reporting for ALCO and regulators.
Model Risk Management
Validation, development, and regulatory documentation.
Core MRM business: independent model validation for US and LATAM banks — now expanded with proprietary engines (SciQuant, SciFraud).
Independent validation
SR 11-7 / OCC / Fed alignment — conceptual soundness, data, implementation and use. Signed validation reports.
Model development
Quant design, calibration, backtesting and challenger models for market and credit risk.
Regulatory documentation
Model inventory, effective challenge, ongoing monitoring and materials for the model risk committee.
Pricing & IV pack
6–8 week PoC on an exotic product → monthly retainer with independent valuation (SciQuant).
References: Wells Fargo, Citi, US Bank and 30+ tier-2 institutions in market and credit risk validation.
Related Products
Purpose-built for banking.
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