Our Range Of
Banking Services
Everything a bank, building society or lender models and reports on, from the decision to lend through to the capital held against it and the evidence the supervisor expects.
Trusted by leading banks, building societies & regulated lenders
Our Banking Services
Credit Risk
Who you lend to, how the book performs afterwards, and what it provisions and holds in capital.
Capital & Liquidity Management
The capital and funding the balance sheet needs, measured today and tested against the scenarios that would strain it.
Financial Crime
The models that catch fraudulent applications at the door and fraudulent behaviour throughout.
Climate & Market Risk
The risks that come from outside the loan book: climate pathways, traded positions, counterparties and interest rates.
Governance
The framework around your models and the regulation they answer to.
Frequently Asked Questions
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The top consultancy in banking risk should combine deep expertise, selective talent, senior involvement and strong value for money. Gini is built for challenger banks, fintechs and growing institutions. We recruit selectively and keep teams lean. We cover IFRS 9, IRB, capital and liquidity, ICAAP, stress testing, scorecards and model risk management.
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Size matters less than what sits in scope. At Gini we find a building society running standardised capital and a handful of expected credit loss models needs the same evidence trail as a bank applying for internal ratings permission, and the work scales with the model inventory rather than with the balance sheet.
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Yes. Development and independent validation are separate mandates and Gini does both. We validate probability of default, loss given default and exposure at default models, expected credit loss models, application and behavioural scorecards, fraud models, and the value at risk and expected shortfall models behind the trading book.
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All of it. Models arrive as version-controlled code with tests and documentation, so nobody has to reverse engineer a spreadsheet to find out how a figure was produced. At Gini we walk your team through the code before handover, because the point is to leave you able to rerun the work yourselves.
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With a scoping conversation and a look at the data. Before anything is priced Gini wants to know what the model has to decide, what history you hold and who signs it off, since those three answers set both the method and the timetable. Larger programmes often begin with a gap assessment against supervisory expectations, which gives you the prioritised list of work and the order to do it in.
