
We serve as an experienced partner in managing financial risk, ensuring data integrity, and achieving compliance. We offer bespoke solutions tailored to the unique challenges faced by banks, fintech organisations, and asset managers.
Whether you're grappling with the intricacies of managing risk, strategy, IFRS 9 compliance, capital adequacy, or data management, we provide the expertise and tools to make your vision a reality.

IFRS 9
IFRS 9 compliance is complex. From modelling forward-looking macroeconomic scenarios to tracking changes in credit risk over time. Banks and lenders face intense regulatory scrutiny and rising expectations from auditors and boards alike. We help you meet those challenges with clarity and confidence.
At Gini, we specialise in the hands-on delivery of IFRS 9 solutions tailored to your institution’s needs. Our team has experience across a wide range of lending products and risk profiles, and we work directly with your internal teams to build, validate, and enhance the models that matter: whether you're forecasting expected credit losses, performing stress testing, or responding to an audit finding.
IFRS 9 Model Development
PD, LGD, and EAD models, calibrated to your portfolio and lending products.
Macro Economic Modelling
Scenario generation and overlay strategies tailored to your risk profile.
Model Validation and Monitoring
Independent reviews to meet audit and governance expectations.
Significant Increase Credit Risk (SICR)
Frameworks and thresholds that stand up to scrutiny.

CREDIT STRATEGY
In today’s fast-moving financial environment, making the right risk decisions is critical to growth and resilience. At Gini, we help you design and implement effective, data-driven credit risk strategies that align with your commercial objectives, whether you’re acquiring new customers or managing existing portfolios. We combine advanced analytics with real-world experience to strengthen decision-making across the credit lifecycle. Our team works directly with you to deliver bespoke solutions that balance risk and reward, drive profitability, and withstand regulatory scrutiny.
Scorecard Development
Application, behavioural, and collections scorecards tailored to your lending products and risk appetite.
Existing Customer Management
Strategies to support cross-sell, credit limit increases and retention across your active book.
Customer-Level Pricing and Volume Strategy
Analytical frameworks to optimise interest rates, limits, and approvals in line with business goals.
Risk Appetite and Limit Setting
Translate board-level risk appetite into actionable decision rules and portfolio limits.

IRB CAPITAL MANAGEMENT
Navigating the path to IRB accreditation requires precision, deep technical knowledge, and a clear understanding of regulatory expectations. At Gini, we support banks and lenders in developing, validating, and enhancing IRB models that meet the exacting standards of the Prudential Regulation Authority (PRA), European Banking Authority (EBA), and other regulators.
Whether you’re preparing an initial application or maintaining ongoing compliance, we help you unlock the capital efficiency and strategic flexibility that come with IRB status. We offer the following services:
IRB Model Development
Development of PD, LGD, and EAD models tailored to your portfolios, exposure, and regulatory requirements.
Policy, Governance & Risk Frameworks
Design and enhancement of risk appetite statements, credit policy frameworks, and control environments.
Validation and Gap Assessments
Independent review and challenge of existing models and data inputs, ensuring alignment with latest regulatory standards.
Regulatory Submission Support
Hands-on guidance through the IRB application process, including preparation for qualitative and quantitative tests.

DATA MANAGEMENT
Data is one of your most valuable assets, however, only if it’s accurate, accessible, and aligned across your organisation. In reality, many firms struggle with fragmented systems, inconsistent definitions, and unreliable data that slows down decision-making and weakens governance.
At Gini, we work with banks and lenders to transform messy, siloed data into a clean foundation for risk modelling, reporting, and business intelligence. Our focus is practical: no endless strategy decks, just clear guidance, hands-on delivery, and sustainable improvements that allow growth.
Data Strategy and Governance
We help define enterprise-wide data standards and processes so your risk, finance, and business teams are working from the same page.
Refined for Risk
We specialise in the data that powers credit models and regulatory frameworks like IFRS 9 and Basel, ensuring it’s clean, well-defined, and audit-ready.
Data Infrastructure
We design and build warehouses, marts, and dashboards that make data accessible and useful; from credit teams to CROs.
Leveraging AI
Using tools like generative AI to accelerate data mapping and improve consistency across legacy systems.


EXPERTISE FROM LEADING FINANCE INSTITUTIONS








Sol Kyprou
Sol, our founder, brings not just a decade of experience from the finance world of the UK and EU to the table, but a genuine talent for unraveling the stories hidden within complex data sets.
His insights have been crucial for strategic leadership and big decisions. With a deep understanding of data management and machine learning, Sol has navigated Gini to the cutting edge of innovative solutions.
His intuition for transforming sluggish processes into streamlined operations through advanced AI is nothing short of visionary, pushing Gini's mission forward to set new benchmarks of technological brilliance in the industry.

Joe Bullivant

As a Partner at Gini, Joe brings 12+ years of experience in financial services, offering expert-level technical leadership in analytical modelling and business insights. Working within senior leadership teams, he has collaborated closely with executives and committees to drive transparent forecasting and strategic planning.
His experience spans high street banks, building societies, and challenger firms, with a specialty in the nuances of retail portfolios. He has built and scaled first-line analytical teams to over a dozen professionals, and led the development of numerous generations of Decisioning, IFRS 9, IRB, and Stress Testing model sets.
Joe leverages a solid foundation in traditional modelling and advanced expertise in modern machine learning and model pipeline development to enhance internal modelling capabilities and sharpen risk assessment.
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