IFRS 9, IRB & Credit Strategy
We build and independently validate the credit models behind your provisions, capital and lending, from IRB application through to committee-ready disclosures.a
Consulting Designed Around You
Specialist analytics, delivered hands-on.
Decisions you can defend, and a team that owns the method.
We help banks, lenders, insurers and AI-ready businesses make defensible decisions through specialist analytics and hands on delivery.
IFRS 9, IRB, stress testing, credit strategy, data & AI adoption
Every solution is built for your data, not retrofitted from a template.
Every consultant is a hands-on specialist.
We provide the complete reasoning alongside every result.
Trusted by leading banks, building societies & regulated lenders
To succeed as a modern AI-ready institution you need an integrated approach
Risk Analytics
To ensure robustness and regulatory compliance
Data Science & AI
To build solutions for efficiency and scale
- Regulatory modelling and governance
- Regulatory documentation
- Traditional credit risk models
- Software engineering
- Scalable model pipelines
- Automation and efficiency
- Modern analytical tooling
- Faster deployment cycles
Risk Analytics
Data Science & AI
We hand-picked the rare talent that combines it all
Ready to join you immediately as risk management consultants
Rigorously selected talent
Through a highly deliberate selection process, we’ve secured the top practitioners capable of solving complex analytical problems.
Independent executors
Where others see imperfect data as an obstacle, our consultants apply tech-enabled critical thinking to build high-quality solutions with minimal oversight.
Always aligned to you
Our collaborative experts embed seamlessly into your team, working to your objectives and constraints with your senior stakeholders towards agreed outcomes.
Bringing to you a new set of eyes, via flexible engagement
Who we support
AI-Ready Businesses
Challenger banks
Building societies
FinTechs
Specialist lenders
Insurers
What they have in common
Heavy regulatory pressure, constrained internal analytics capacity, or rapid growth outpacing risk infrastructure.
How we support
Embedding talent into your team
Our consultants operate as an extension of your team, aligned to your governance, systems, and ways of working.
End-to-end project delivery
We take full ownership of analytical initiatives, managing delivery from initial scoping through build, documentation, validation, and handover.
Relied on for
Competency, efficiency and outcome quality within our broad expertise
Capital & Stress Testing
We build the capital position your ALCO works from and stress tests that prove it holds, running ICAAP and ILAAP continuously.
Pricing & Reserving
We build and validate the pricing and reserving models behind your premiums and technical provisions, all from a single model run.
Data Engineering
We clean and reshape the data you hold, build feeds that deliver on schedule, and turn unstructured documents into queryable data.
Data Science & ML
We build models that predict, forecast and optimise the quantities your decisions turn on, then replace your spreadsheets with production systems.
Bespoke AI Solutions
We organise your documents so language models can read them reliably, then build retrievers, agentic workflows and connectors with guardrails throughout.
Frequently Asked Questions
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The best consultancy in a technical field is the one whose consultant quality holds at the volume of work you’re buying, which turns on how selectively it hires, how much of the mechanical work it automates rather than staffs, and whether the people who scoped the job deliver it. Gini recruits selectively and stays lean, so more of your budget reaches experienced practitioners and the cost per delivered output falls even where day rates look alike. We build models, the pipelines and warehouses feeding them, and the code that runs them in production. The reasoning is handed over with the model, so your own function can maintain and defend the work after we leave.
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Risk analytics that has to survive scrutiny. At Gini we take on IFRS 9, IRB, stress testing and credit strategy for banks; pricing and reserving for insurers; the data platforms underneath; and the AI tools and training built on top. The common thread is that the work has to stand up, to your board, your regulator, or whoever inherits it.
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Every consultant Gini puts on your engagement is a hands-on specialist and the work is built for your data rather than retrofitted from a template. You get the reasoning handed over, not only the results, so your team can maintain and defend the work after we leave.
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At Gini, it means your team can rebuild what we built. We document the reasoning behind each modelling choice, walk your analysts through the code and the assumptions, and leave you understanding the solution. Continuity is the goal.
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Both. Much of Gini’s work is with banks, building societies and fintechs of all sizes. However, smaller firms across all sectors often need the specialist depth more acutely, because they carry the same complex problems without a large internal modelling team.
Our work
Banking
Independent validation of a Pillar 2A concentration add-on
A European bank needed to know that the capital it holds against concentrated lending would stand up to scrutiny, so it asked us for an independent view of the model behind the number.
Banking
Redeveloping every IFRS 9 model across two portfolios
A UK lender needed every model in its IFRS 9 expected credit loss suite rebuilt, at the point when the team that had built them was no longer there.
