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Credit Risk Models That Stand Up to Regulation, Stress, and Reality

Credit Risk Models That Stand Up to Regulation, Stress, and RealityCredit Risk Models That Stand Up to Regulation, Stress, and RealityCredit Risk Models That Stand Up to Regulation, Stress, and Reality

RiskMiner helps banks and lenders build and defend risk models for Decisioning, IRB, Stress Testing and IFRS 9

Who We work With

UK & European Banks

African Banks & Financial Institutions

African Banks & Financial Institutions

PRA, ECB, and EBA-aligned modelling with validation and audit-ready documentation.


African Banks & Financial Institutions

African Banks & Financial Institutions

African Banks & Financial Institutions

Basel and IFRS 9 implementation, model uplift, and internal capability building.

Fintech & Digital Lenders

African Banks & Financial Institutions

Fintech & Digital Lenders

Fast decisioning models with scalable governance and explainability. 

The Problems We Solve

  • Inflated RWAs from conservative IRB models
  • IFRS 9 impairments that fail audit scrutiny
  • Stress tests that don’t translate into capital ratios
  • Models that cannot be explained to regulators or boards

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Core Services

Credit Decisioning & Scorecards

Application and behavioural models, bureau and open-banking data, challenger frameworks, and explainability.


IRB Models (PD, LGD, EAD)

Corporate, SME, Retail and Slotting portfolios with TTC↔PiT calibration and MoC frameworks.


Stress Testing & Capital Planning

ICAAP and regulatory stress testing with clear macro → PD/LGD → capital translation.


IFRS 9 & Impairments

SICR frameworks, forward-looking PDs, scenarios, and audit-defensible overlays.

Why RiskMiner

✔ Practitioner-led delivery
✔ Regulator-aware by design
✔ End-to-end delivery
✔ Explainability firstunlock your business's full potential.

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Need help with anything within the end to end credit risk modelling framework?

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