Credit runs through our team’s experience. Our consultants have built and run credit strategies at large card issuers, consumer lenders and fintechs, and they join your team ready to work in your data from the first week. When you lose analysts unexpectedly, or need senior judgment on a strategy change, we can usually put experienced profiles in front of you the same day.
What our consultants do
- Acquisition and underwriting strategy
- Credit line increase and line management strategy
- Credit policy development and governance
- Pricing strategy and pricing governance
- Loss forecasting, CECL and stress testing analytics
- Portfolio monitoring and second-line effective challenge
Roles we place
- Credit risk analysts and senior analysts
- Credit strategy managers
- Credit policy experts
- Data scientists for credit models
- Interim heads of credit
Recent Augment work
- Developed a credit line increase strategy for a Fortune 100 financial services group’s card portfolio, based on quantitative analysis of a rich historical dataset.
- Provided a credit policy expert to help a client enhance its pricing strategy governance.
- Placed an analyst on the second-line risk team of a top 30 bank to provide effective challenge.
- Covered a consumer lender’s credit risk team after three analysts left at once, keeping projects moving while the client recruited replacements.
Examples from our consultants' careers
Work our consultants did before or alongside Augment, described without naming employers or clients.
- Applied machine learning to underwriting, pricing and repayment at a fintech lender, cutting loan losses from 20% to 8.5%.
- Wrote a card credit-line-increase strategy that added $9.3 million in balances and $813,000 in after-tax income on $82 million of new exposure.
- Ran ongoing judgmental credit-line-increase guidelines for a retail card partnership portfolio, extending about $170 million of exposure a year.
- Redesigned small business underwriting at a top 10 US bank with new data sources, growing value about 10% on a mature strategy.
- Replaced an old score-band credit policy with a machine-learning scorecard on a roughly $5 billion RV and marine loan portfolio.
Frequently asked questions
How quickly can you start?
We can usually share consultant profiles the same day we first speak with you. Most consultants start 2 to 4 weeks after that first conversation, and our fastest start so far was 2 business days. We can move at your pace. More answers in our FAQ.
Can a consultant cover for analysts we just lost?
Yes. That is one of the most common reasons clients call us. A consultant can keep your projects moving while you recruit, and if you decide you want them permanently, you can hire them for a one-time $10,000 conversion fee.
How is pricing set?
Each consultant sets their own hourly rate and Augment adds a transparent margin. We aim to keep our gross margin at about 20%, well below traditional consultancies. You see each consultant’s billable rate on their resume before you interview.
Need analytics or risk talent?
Tell us what you need. We can usually share consultant profiles the same day. Read our FAQ.