I provide specialist consulting services focused on the design and implementation of credit risk and lending systems.
My work bridges credit risk strategy, decisioning technology, and system architecture to ensure lending platforms are scalable, auditable, and data-rich.
Services
Current-state architecture assessment
Future state system architecture design
End to end data flow mapping
Internal system integration design
Third-party systems integration design (Credit Bureau, Fraud & Fin Crime, Open Banking)
Database configuration design
Architecture Design & System Integration
I design end-to-end lending and risk system architectures that connect risk policy, decision engines, third-party data providers, and operational workflows.
Decision Strategy Implementation & Post Live Support
Decision flow orchestration
Data derivations, affordability logic & policy rule development
End to end data mapping
Third party system integrations
Exception & error handling
Functional & regressions test packs
Full system documentation
Post - deployment support
Continuous monitoring & analysis of lending portfolio
I provide hands-on delivery support for the design, build, and optimisation of automated decision engines, ensuring credit risk, fraud and financial crime strategies are implemented accurately.
Business & Risk Requirements into Technical Decisioning Specifications
My focus is on removing interpretation gaps between stakeholders, reducing rework, and ensuring decisioning logic, data derivations, and system behaviour align with both risk appetite and operational reality.
Translating credit and risk policy into decisioning logic and rule specifications
Defining data derivations, calculations, and assumptions
Producing clear, implementation-ready requirements for engineering teams
Ensuring traceability between policy, rules, and outcomes
Supporting testing, validation, and governance processes
Requirements definition and use-case mapping
Market and vendor shortlisting
Strengths, limitations, and trade-off analysis
Architecture and integration fit assessment
Implementation readiness and delivery risk review
I provide independent, vendor-agnostic support to help lenders select the most appropriate platforms and third-party providers for their specific credit risk, lending, and operational requirements.
Platform Selection & Assurance
© Michael Feltham – Credit Risk Systems Consulting