Creditexpo Ltd

CreditExpo Limited is a consulting and software specialist that helps lenders measure and manage retail credit risk across instalment-lending products and mortgages. Drawing on mathematically-driven, actuarially-informed models, the company equips banks, credit unions and building societies with the tools they need to meet the new Expected-Loss reporting standards under IASB 9 and FASB CECL, while delivering transparent, profit-focused insight throughout a loan's lifecycle.

The firm's flagship offering, Empirical Credit Risk Management (ECM), provides a comprehensive methodology and software suite for pricing, tracking and analysing loan portfolios, supporting everything from collections prioritisation to merger-and-acquisition due-diligence. Complementing ECM, the Effective Yield Calculator (EYC) Analytics breaks down mortgage portfolios by interest rate, vintage, LTV, credit score, geography and more, delivering loss forecasts, provision requirements and profitability metrics required for IFRS 9 compliance. CreditExpo also offers risk-consultancy services-including treasury support via its Currency Manager and feasibility studies for financial institutions-plus complimentary consultations to identify risk-reduction opportunities.