Credit Efficiency Solutions Ltd


Specialist Credit Risk, Regulatory & Lending Journey Consultancy


Helping lenders, finance companies and brokers design efficient, customer-centric credit decisioning journeys, strengthen regulatory submissions, and build processes that scale.


We combine deep credit risk expertise with practical operational delivery — improving outcomes for customers, regulators and businesses alike.




Contact Us

Credit Efficiency Solutions Ltd provides independent consultancy support across credit risk, regulatory readiness and lending operations.


We work with:



  • Banks and finance companies looking to improve credit decisioning and customer outcomes
  • New banks preparing Regulatory Business Plans and operating models
  • Firms navigating debt sales or solvent wind-downs
  • Brokers seeking to improve lender relationships and application success rates


Key Capabilities:


  • Customer-centric credit decisioning journey design
  • Credit risk frameworks, policies and governance
  • Regulatory Business Plan (RBP) support
  • Credit operating model and process design
  • Debt sale and wind-down readiness
  • Broker–lender relationship optimisation


Why Work With Us


✔ Over 25 years’ senior experience in credit risk and lending
✔ Deep understanding of regulatory expectations
✔ Clear, usable outputs — not theoretical advice
✔ Flexible engagement models
✔ Independent, commercially minded perspective



About Us

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How We Help

Smarter Credit Journeys

Designing efficient, customer-centric credit decisioning journeys that balance experience, risk and regulatory expectations.

Regulatory-Ready Frameworks

Supporting banks and finance companies with credit risk frameworks, policies and Regulatory Business Plans that stand up to regulatory scrutiny.

Stronger Broker–Lender Outcomes

Helping brokers improve application quality, strengthen lender relationships and increase approval success rates.

Our offering