CREDIT RISK UNDER CONTROL

We help banks improve operations and risk management

International consulting company specialized in retail credit risk management and operations.

Rudnicki Consulting is an international consulting company that helps banks improve credit risk management and operations. We specialize in assessment and improvement of risk-related processes: underwriting, collections, scoring models and development of credit risk strategy policies and procedures. We work directly for banks or act as a sub-contractor of top advisory companies.
Some of our clients include an international banking group based in Austria, one of the leading banks in Poland and one of the Big Four consulting companies. Our customer satisfaction record is excellent and we consider ethical principles to be a key to the success of our relationships with clients.

Credit risk management consulting

Scoring models for better credit decisions, portfolio management, limit strategies, risk-based pricing do not have to cost a fortune and take years to be implemented. We build models that drive results. We also create and improve retail credit risk MIS, credit policies, underwriting rules, collections and recovery strategies.

Bank operations & software

Whether you are centralizing your processes or integrating them after a merger, looking for cost-efficiency or quality improvement, we can support you in taking your operations to the next level. We specialize in continuous improvement of call centers, customer service, underwriting and collections.

Experts to hire

Do you need additional capacity to lead change in credit risk management or to perform data-crunching, analytics, model-building? An external expert to review your process and indicate improvement opportunities or to manage a project, end-to-end? We are available golobally, for hours, days, weeks or months. We work with R as well as SAS software.

Additionally we help with:

IT project management – we support implementation and enhancements of credit software systems

Scoring models – we develop application and behavioral scorecards in R or SAS System

Interim management – we build and manage Risk Teams

Servicing the Financial Industry for More Than a Decade

Piotr Rudnicki brings over 10 years of experience in international finance, most recently as Head of Risk Strategy at KBC Consumer Finance. Prior to KBC, he held position as both Operations Strategy Department Director at GE Money Bank and Operations Director at GE Money Central & Eastern Europe. While working at GE, Piotr was awarded the Six Sigma Black Belt Certificate in 2004 and the EMEA President’s Award in 2008 for implementing portfolio segmentation and decision science tools in operations as well as leading data analytics projects.

Our Customers

Articles

Target variable in credit risk models

Risk teams and scientists are working hard to train their models to better predict - at application stage - if a loan will be Good or Bad. In order to win competitive advantege in credit decisions, they often seek to improve model performance by using model boosting...

Credit risk measurement: customer-level

Loan-level vs. customer-level credit risk measurement Let's consider a simple example, typical for many consumer loans portfolios: 10.5% of loans granted to new customers are “bad” (90+ days past due) after one year from origination (black line in the plot below)....

Cooperation with Błażej Kochański

We are proud to announce that we have started cooperation with one of the top banking risk experts in Poland: Błażej Kochański worked as a risk specialist and then risk manager for GE Capital banks in Poland and Czech Republic between 2000 and 2007. He was responsible...