Statistical Decisions (or StatDec) expertise in providing Consultation and Decision Support Analytics to Financial Institutions & other Organizations who are seeking an efficient and effective approach to managing their Retail Portfolios and increasing their Profitability. Since its establishment in 1992, StatDec has worked for both Multinational and local Banks and Retailer firms in over 30 countries. Our main services cover: • Credit Initiation (Application Scorecards) • Behaviour Scorecards • IRB & IFRS9 Modelling Support (Estimation of Credit Loss) • Profitability Analysis • MIS & Process optimization • Training Portfolios supported are exposures classified as retail, including Mortgages and Small Businesses