Credit Risk

Financial Modelling

Get full visibility of cost and revenue throughout the business - enabling you to make profit-based decisions.

Make profitable decisions and meet your regulatory requirements

To fully understand a credit business, or to ensure compliance in credit, a full appreciation of credit P&L or compliance principals is required.

A well-produced framework helps you understand the drivers to cost and revenue and will allow for accurate profit calculations.

For provision and capital models – compliance is a chief driver to ensure that all required regulatory requirements are met.

Services offered

Whether it’s profit, provision, capital or portfolio modelling – Principa has significant experience in bringing together retail credit with P&L.

Our deep credit IP acquired over almost 20 years of providing advisory  services to financial services companies in Africa, Europe and the Middle East enables us to help you build accurate and flexible financial models using international best practices.

Our offerings include:

  • Historic profit models (new and existing book)
  • Profit forecasting models
  • IAS39 and IFRS9 provision modelling
  • Basel II/III capital models
  • Full credit portfolio models

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Why Principa?

For almost 20 years, Principa credit risk specialists have been providing advisory, analytical and professional service offerings to financial services organisations in Africa, Europe and the Middle East.

We keep track of the latest credit industry trends and incorporate industry best practice and lessons learned from our experience with over 150 companies.

Our engagement with you can be on a full outsourced basis, mentoring of your team, or to simply fill a temporary skill or capacity gap in your team. 

Make more profitable decisions

Leverage almost 20 years of credit risk expertise to increase the profitability of your credit decisions.
Contact us for pricing on our services and to find out more about how we can help you achieve compliance and make more profitable decisions.

Contact us