Expanding our Credit Decisioning Practice

Many lenders have found it difficult to successfully achieve their strategic aims when upgrading or enhancing their credit decisioning platforms. An over-reliance on data and solution providers to inform key choices during design and execution results in projects that divert from their aims, become overly complex, lose direction, or align to what one or more vendors would prefer – instead of what is right for that lender.

4most have established an independent Credit Decisioning Practice – agnostic to the provider of data or technology solutions, with the aim to help our clients achieve their strategic ambitions across the full decisioning journey.

4most is already known for its impartial and robust technical capabilities in credit risk management and modelling. We have now brought together this expertise and are very pleased to have further strengthened this with our new head of practice, Debbie Neale. The team has extensive experience having worked with and for numerous lenders and vendors and have been responsible for the delivery of multiple decisioning solutions across the industry. Key to our service is our independence; we are a platform agnostic service and understand the technical details and data to be able to help evaluate options and support lenders to implement and enhance credit decisioning strategies and systems, from vendor selection, capturing requirements, implementation and all the way through to testing and change management.

“We see significant demand for this service. There is a real drive in the market to enhance and automate lending decisions which deliver a positive and seamless customer journey. With advances in technologies, data modelling techniques and availability of powerful data sources, lenders have an exciting opportunity to take control of their credit decisioning landscape and integrate a solution that supports their strategic goals and customer strategy.”

Debbie Neale, Head of 4most Credit Decisioning Practice