4most

Increasing regulatory focus on customer outcomes

In conversation with Damien Burke, Partner at 4Most. In this clip Damien talks about the increasing regulatory focus on the customer journey, emphasizing finding the right treatment and outcome for customers. Granularity and sophistication of decision-making is now all increasing. It is now starting to be expected to be in place. See the full interview and find out more about 4most -> Here.

More Scenarios – preparing for the future in a time of uncertainty

In conversation with Damien Burke, Partner at 4most. Damien discusses the impact of economic shocks, such as COVID, on IFRS9 models and what this means for us in the future. The good news is technology, data, and methodology is all helping making this process easier, with outputs more straightforward to explain. See the full interview and find out more about 4most -> Here.

Putting Customers First: changing the centre of thinking to make plans that work

In conversation with Damien Burke, Partner at 4most. Here Damien talks about the difference between time series and point of time and data. Historically we have tended to look at decisions on data at a point of time… what needs to be done based off the information available to me now. However, it is increasingly important to think about a customer’s situation, and data, in the round, across the customer journey. Context is critical, as… Read more

Responding to the new environment: Credit risk looking to the future

The full interview with Damien Burke, Partner at 4most. In a wide-ranging conversation, Damien discusses the impact of COVID on credit risk aspects of business and in particular how we now need to think and plan going forward. Undoubtedly there is more data and modelling needed. However, it is also starting to require us to more fundamentally change how we think about customers and design treatment plans. The bar is being raised… leading to opportunities… Read more

4most

Who: 4most What: 4most is one of the UK’s largest risk consultancies, looking at everything from a Risk and Credit Risk point of view. Data and scorecard assessments, IFRS9, Basel III and provisioning, economics and modelling, the team can cover and advises on all areas within risk management and more. Initially based in the UK, they have expanded across Europe, and more recently globally, to help provide insight and services for clients where needed. Where:… Read more