Transforming Decisions. Powering Growth.
Principa’s Consulting and Analytics solutions help businesses turn data into decisive action and value.
Transforming Decisions. Powering Growth.
Principa’s Consulting and Analytics solutions help businesses turn data into decisive action and value.
With deep industry expertise in credit risk, decisioning and analytics, we harness advanced analytics and AI to enhance decision-making, optimise performance, and accelerate growth. From reducing credit risk and compliance complexity to boosting customer profitability, we empower you to lead with confidence.
Analytical Projects
Billion scores for lenders annually
Countries
The Future Belongs to Intelligent Decisions
The future of credit will be shaped by intelligent, adaptive decision-making powered by advanced analytics and AI.
As market volatility and regulatory complexity grow, organisations that proactively integrate these technologies into their credit lifecycle processes will be best positioned to mitigate risk, optimise performance, and drive sustainable profitability.
Embracing AI-driven insights now will not only enhance resilience but also secure competitive advantage in a dynamic financial landscape.
Leaders are Acting Now!
%
of banks are planning to use AI for credit risk assessments.1
%
of banks plan to invest in risk technology transformation amid unyielding headwinds.2
%
of credit risk organisations expect to implement Gen AI technologies within a year.3
%
of executives believe that AI and ML will yield competitive advantages.4
The Principa Way
Data-Driven, AI Boosted, Expert-Led
The Principa Way is our secret sauce — we believe that effective analytics starts with a clear understanding of your business goals.
Our collaborative approach ensures we build solutions tailored to meet your specific objectives and strategic priorities, delivering insights that are both relevant and actionable.
Our distinctive blend of human and artificial intelligence unlocks results competitors simply can’t replicate, positioning you firmly ahead in your market.
Our Services: How We Can Help
Advisory by Principa
Thought leaders for the transformation that is coming
Expert Health Assessment
Gain a clear, data-driven perspective on your organisation’s current state through our Expert Health Assessment. Our advisors combine deep industry expertise with data-driven assessments to review your business comprehensively, pinpointing areas of strength and uncovering hidden opportunities for improvement.
Credit Lifecycle Strategy
Unlock the full value of your credit assets across every stage of the credit lifecycle—from customer solicitation and origination through to account management, collections, recoveries, booked sales, and customer value management. Leveraging decades of industry expertise, our expert advisors deliver actionable insights, best practices, and strategies that balance growth, compliance, and risk management, enabling superior returns and sustainable long term competitive advantage.
Operational Excellence Advisory
Optimise operational efficiency and profitability through strategic advisory that aligns your people, processes, and technology to your business goals. We help streamline workflows, boost productivity, and foster innovation to ensure your operations run smarter, leaner, and more profitably.
Customer Strategy Advisory
Enhance customer acquisition, engagement, and retention through data-driven, customer-centric strategies. We partner closely with you to deliver personalised, impactful customer experiences that strengthen loyalty, increase lifetime value, and drive sustainable revenue growth.
Product Design
We help you craft compelling, market-fit offerings by aligning pricing strategies, fee structures, business terms, and limit management with your risk appetite and customer profile. Whether you’re refining existing products or launching new ones, our experts work with you to balance regulatory compliance, customer value, and profitability—ensuring your product suite supports both short-term goals and long-term growth.
RiskMentor
RiskMentor provides flexible, on-demand access to seasoned industry risk experts, empowering your business with specialised analytical and advisory expertise exactly when you need it. Benefit from tailored guidance across diverse risk management disciplines, enabling quick implementation of impactful solutions in a cost-effective manner. RiskMentor is your strategic resource for navigating complex risk challenges, supporting rapid decision- making, and driving sustained business improvement.
Training
We believe impactful capability building requires interventions tailored specifically to your business needs and the evolving technology landscape. Our experts partner closely with you to diagnose critical gaps and design customised learning experiences that deliver targeted knowledge, practical skills, and measurable outcomes. Move beyond generic training—achieve tangible, lasting results directly aligned with your strategic objectives.
AI and Analytics by Principa
AI-Enhanced Decisioning: Faster. Smarter. Precise.
Prescriptive Analytics and Data-Driven Strategies
Our advanced prescriptive analytics solutions help businesses optimise decision-making by identifying the best course of action based on predictive insights. Through AI-driven simulations, we provide actionable recommendations to enhance profitability, minimise risk, and streamline operations.
Decisioning and Scorecards
We design and implement machine learning models and scorecards to improve lending strategies, reduce default rates, and optimise portfolio performance. Our models incorporate traditional risk factors and alternative data sources to deliver highly accurate credit assessments.
Predictive Analytics
Our predictive models leverage machine learning and statistical techniques to forecast trends, customer behaviors, and financial risks. Whether it’s fraud detection, churn prediction, or demand forecasting, our insights empower proactive decision-making and improved business outcomes.
Financial Modelling and Provisioning (IFRS9)
We offer IFRS 9-compliant provisioning models, helping financial institutions accurately estimate expected credit losses (ECL). Our solutions include probability of default (PD), loss given default (LGD), and exposure at default (EAD) models to ensure regulatory compliance and financial stability. We also support resolution of audit queries where required.
Customer Analytics and Segmentation
We help businesses identify high-value customers, optimise marketing efforts, and enhance retention strategies. Our AI-driven segmentation models personalise customer interactions, predict churn, and improve lifetime value through targeted interventions.
Collections & Recoveries Optimisation
We enhance collections strategies by applying behavioral analytics and predictive models to identify high-risk accounts. Our data-driven approach enables early intervention, improves recovery rates, and optimizes debt management strategies and debt sale valuations.
Pricing and Revenue Optimisation
Our pricing analytics solutions leverage predictive models to develop dynamic pricing strategies that maximize revenue while maintaining market competitiveness. Using AI-driven demand forecasting and A/B testing, we help businesses optimise profitability across multiple pricing tiers.
Engineering by Principa
Cloud-native data decisioning platforms
Data pipelines for feature engineering
Our robust data pipelines enable seamless integration, processing, and transformation of large-scale datasets across cloud-native platforms. We specialise in data lake architectures, real-time data streaming, and automated ETL processes to ensure high data availability and reliability.
Our feature engineering expertise enhances the predictive power of AI models by transforming raw data into meaningful variables that drive better decision-making. We refine data features through domain expertise, advanced statistical techniques, and machine learning automation.
Our Solutions: Fast-track to Value
Expert Health Assessment
We provide an in-depth Credit Health Assessment of your credit lifecycle. We tailor workshops to facilitate the assessment and co-create recommendations with your leadership team in a focused, dynamic setting.
Benchmarking
We provide a quarterly benchmarking report for the retail fashion industry. This includes analysing performance for industry contributors and benchmark insights through our partnership with XDS. Our report reviews originations, market share, credit profiles, account management, and delinquencies. Subscribers are provided an interactive dashboard on Principa.Cloud, allowing for detailed insights discovery.
Our Customers
Since 1999, we’ve served over 150 companies in 30 countries in Africa, the Middle East and Europe.
On behalf of Visa International CEMEA Region we would like to thank and commend your team at Principa for your considerable effort in making this project, the biggest Credit Risk Project of this nature undertaken in the Gulf Region, a real success.
Visa International
Regan Adams,
CEO BNP Paribas Personal Finance South Africa T/A RCS
Principa has been our preferred analytics service provider for a number of years and has made a significant contribution to our volume growth during this time. We are happy to recommend them as energetic, reliable and trustworthy partners.
Blue Label Data Solutions
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Connect with Us
Clifford Warburton
CEO
Theunis Janse van Rensburg
Head of Credit Risk Analytucs
Sharon Richings
Head of Business Adivsory
Ready to take your credit decisioning to the next level?
Get in touch to find out how we can help you do amazing things with your data to improve your business.
Whether you’re embarking just starting on your credit decisioning journey or have a whole heap of stuff that makes you awesome, we’re here to help you take your credit decisioning to the next level.