Asset exposure map
Concentrations by supported configuration, use, geography and other agreed portfolio attributes.
Portfolio Risk & Stress Intelligence
See where the portfolio is exposed.
Examine asset mix, servicing experience and recovery outcomes together.
Finance & Asset Risk Scoping programme
edge. Portfolio riskIllustrative
Base coverageStressed coverage100% reference
| Class / assets | Base | Stress |
|---|---|---|
| SCV · 120 | 115% | 95% |
| Rigid · 80 | 104% | 84% |
| Tractor · 50 | 110% | 92% |
250Sample assets
3Asset classes
100%Coverage reference
What you receive
The portfolio, with its assumptions.
Stress scenarios
Changes in operating and recovery assumptions examined with the risk team.
Evaluated review priorities
A shortlist assessed against later-period outcomes and a defined reviewer capacity.
An illustrative engagement
A concentrated application segment
A lender wants to understand a concentration of specialised tippers. The analysis examines operating-use assumptions and historical recoveries before recommending additional review.
The review file connects
Explore the working sampleProposed use case · not a customer result01
Segment exposure and servicing history
02
Configuration and use records
03
Realised recoveries and costs
How it works
From the source to the receiving team.
- 01
Define the risk question
Agree the portfolio boundary, outcomes, review capacity and evaluation periods.
- 02
Reconcile history
Connect asset information with servicing, arrears and realised recovery records.
- 03
Test the analysis
Examine segmentation and scenarios, including performance on held-out periods.
- 04
Set review use
Document approved use, monitoring requirements and conditions for reassessment.
Scope & evaluation
Agree the evidence.
Define a useful result.
Use the details below to assess fit with your workflow.
01 Evidence requirements5 inputs
- Portfolio and asset-master exports
- Servicing and arrears history
- Repossession and disposal outcomes
- Approved asset and operating-use attributes
- Credit-policy and model-governance requirements
02 Evaluation measures4 measures
- Coverage of supported portfolio attributes
- Performance on later-period outcomes
- Useful findings within fixed review capacity
- Stability across relevant asset cohorts
03 Scope and outputs in detail
Asset configuration and operating use can add context to a vehicle-finance portfolio. This programme tests that context against servicing and recovery history, with explicit treatment of data coverage, historical bias and the periods used to evaluate each method.
Outputs to assess
- A transparent concentration analysis
- Recovery stress scenarios
- A reviewed shortlist with supporting reasons
Scope, permissions, integrations and acceptance criteria are agreed before work begins. Your authorised team retains the institutional decision.
Questions
Can this replace our credit-risk models?
The initial scope is supporting asset and portfolio analysis. Any use in a regulated or material risk model requires the institution’s validation, governance and approval process.
How much history is needed?
The requirement depends on the outcome, segment and proposed method. The scoping phase checks whether enough representative history and later-period outcomes exist for a credible evaluation.
Can a short pilot demonstrate lower credit losses?
A pilot can evaluate data quality and review performance against historical outcomes. Changes in realised losses require a longer observation period and an appropriate evaluation design.
The next conversation
Start with this workflow.
Bring a representative set of records and the team responsible for assessing the output.
Start a conversationTalk to the desk.
Tell us who you are and the decision you are pricing. The first conversation costs nothing. A reply comes on working days.
Or write to [email protected].