Decision Opportunity Scan 1–2 weeks
A focused framing exercise to identify where an independent replay is most likely to be measurable, governable and commercially material.
Advisory engagements
Start with a decision—not a transformation programme.
Each engagement is designed to answer one commercial question with historical evidence, an explicit profit definition, agreed risk guardrails and an implementable policy handoff.
Three ways to begin
Match the work to the decision maturity.
A diagnostic can stand alone. Deeper work only follows when the first analysis proves useful and the institution has an owner for implementation.
Historical Profit Replay 4–6 weeks
Reconstruct one policy from historical decisions and outcomes, quantify cohort-level leakage and compare a transparent challenger under fixed guardrails.
Champion–Challenger Advisory Retained
Independent oversight while the internal team pilots, monitors and refines the selected policy in a controlled operating environment.
The core diagnostic
What a historical profit replay contains.
The deliverable is structured for CFO, CRO, credit, product and operations review—not just for an analytics audience.
Decision contract
The precise business decision, owner, success metric, guardrails, exclusions and analysis population.
Data lineage
A field-level map from decision inputs and exceptions through to realised repayment, losses, recoveries and operating costs.
Current-policy baseline
Cohort performance showing where the existing rule creates value, where it leaks and which segments require caution.
Challenger comparison
A transparent alternative replayed on the same historical population, with value and guardrail movement made explicit.
Implementation pack
Decision bands, trees or priorities; monitoring metrics; exception rules; governance notes; and a staged test design.
Good pilot conditions
What must be true before the work starts.
A useful result depends more on decision clarity and outcome data than on sophisticated infrastructure.
A good fit
The institution can identify:
- One recurring decision with a named business owner
- Historical decision or offer records
- Repayment, loss, recovery or conversion outcomes
- A reasonable view of funding and operating costs
- Non-negotiable risk and policy constraints
Not a good first fit
Pause when:
- The goal is approval growth without a loss-adjusted profit definition.
- There is no reliable link between the decision and its eventual outcome.
- The sponsor expects an immediate production model or platform replacement.
- The required change has no internal owner or governance route.
- The data cannot be shared safely even in de-identified form.
Who typically owns the conversation
One decision. Several legitimate lenses.
CFOContribution profit, funding economics and measurable return.
CROLoss, policy, fairness, stability and governance guardrails.
BusinessAdoption, operational capacity, customer impact and implementation.