Creditexpo Research Ltd

CreditExpo Research Limited is a consulting and software specialist that helps lenders measure and manage retail credit risk across instalment-lending products and mortgages. By combining mathematically-driven methodologies with actuarial insight, CreditExpo enables banks, building societies and credit unions to meet the stringent reporting requirements of IASB 9 (Europe) and FASB CECL (USA), while providing a clear view of expected losses and provisioning needs.

The company's flagship offering, Empirical Credit Risk Management (ECM), is a comprehensive suite that prices, tracks and analyses loans throughout their lifecycle, supports collections prioritisation, and supplies the data required for mergers, acquisitions and profitability management. For mortgage portfolios, the Effective Yield Calculator (EYC) analytics break down performance by interest rate, vintage, LTV, credit score, geography and more, delivering loss forecasts, provision requirements and pricing guidance. CreditExpo also provides risk consultancy-including treasury-focused Currency Management and feasibility studies-and assists clients in achieving full IFRS 9 compliance.

Having supported leading banks and credit unions for many years, CreditExpo delivers accurate, verifiable risk measurement that underpins profitable loan management and regulatory confidence.