Riskweise is a financial risk advisory practice that helps banks, NBFCs, fintechs and insurers across the six GCC central bank regimes build IFRS 9, ICAAP, stress testing and model governance frameworks. We work as partners, deliver fully-editable Excel-based models, and leave every methodology in your hands.
Generate a balance sheet, pick a severity, watch CET1 move against the trigger. Same engine logic as the delivered tool.
Try it now → Engagement evidenceFull ECL model suite rebuild for a mid-sized GCC bank. Anonymised by confidentiality; specific by method and result.
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Founder · Principal Consultant
Seventeen years across banking risk, assurance and advisory. IIT Roorkee; SP Jain, Dubai. Every engagement is principal-led: you work directly with the person accountable for the outcome.
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Precision in risk.
Clarity in complexity.
Three things define how we work. Every engagement reflects all three.
Engagements are scoped to outcomes, not hours. We embed alongside your risk and finance teams, co-develop the methodology, and transfer the capability so the work is better understood than we found it.
And we stay. The models we build are run on your data, cycle after cycle, with the working file handed back each time. Support does not end at delivery.
Our IFRS 9, ICAAP and stress testing methodologies meet the technical depth and audit-readiness expected of the major firms, without the black-box models, partner-rate change requests or ongoing dependency.
Every model is delivered as an open Excel artefact with full methodology papers, parameter tables and validation evidence. No locked formulas. No proprietary platforms. No licence fees. The IP belongs to you.
Each pillar stands alone. Together they form an integrated risk and governance capability that satisfies regulators, boards and external auditors.
PD, LGD & EAD modelling, staging logic, macroeconomic overlay and management overlay governance. Aligned with IFRS 9 and the staging expectations of every GCC central bank.
Explore IFRS 9 ECL ImplementationPillar II risk identification and quantification, capital adequacy methodology, governance, multi-year capital projections, SREP submission templates, and recovery plan integration.
Explore ICAAP Framework Development
Enterprise-wide stress testing across credit, market, liquidity and operational risk. Scenario design, IRRBB, FX, equity shocks, top-depositor runs, reverse stress testing and Board reporting.
Explore Stress Testing Framework
Conceptual soundness, data quality, assumption testing, benchmarking, backtesting and ongoing monitoring. Aligned with SR 11-7 and CBUAE MMS expectations.
Explore ECL Model Validation
Enterprise model inventory and tiering, MRMF design, documentation framework, limit framework, governance committees, and full data lineage across the model lifecycle.
Explore Model Risk Management (MMS / MMG)
COSO 2013-aligned framework design, risk-control matrices, design and operating effectiveness testing, deficiency remediation and management attestation support.
Explore ICOFR Implementation & Testing
Co-sourced, outsourced or advisory engagements. Risk-based audit planning, model-specific audits, ICAAP and stress test audits, regulatory exam preparation and quality assurance reviews.
Explore Internal Audit ServicesBoard and committee frameworks, risk appetite, three-lines-of-defence implementation, governance gap assessments, Board training and Pillar III disclosure support.
Explore Corporate Governance
Operationalising central bank directives at bank level. Strategic alignment, execution tracking, IFRS 9 staging implications, and Board / regulatory reporting under resilience packages.
Explore GCC Resilience Support
Frameworks written to Federal Decree-Law No. 10 of 2025: business risk assessment, policies and procedures, health checks, compliance department setup, screening and monitoring system testing and validation, training, regulatory reporting and managed KYC.
Explore AML / CFT ComplianceIFRS 18 replaces IAS 1 from 1 January 2027 and is applied retrospectively, so 2026 comparatives must be restated and the data has to exist before the standard is technically mandatory. Readiness assessment, chart of accounts mapping to the new operating, investing and financing categories, MPM inventory and reconciliation, and restated comparative support. Readiness and mapping, not audit.
Explore IFRS 18 Readiness & Mapping IFRS 9 ECL Implementation PD, LGD & EAD modelling, staging logic, macroeconomic overlay and management overlay governance. Aligned with IFRS 9 and the staging expectations of every GCC central bank. ICAAP Framework Development Pillar II risk identification and quantification, capital adequacy methodology, governance, multi-year capital projections, SREP submission templates, and recovery plan integration. Stress Testing Framework Enterprise-wide stress testing across credit, market, liquidity and operational risk. Scenario design, IRRBB, FX, equity shocks, top-depositor runs, reverse stress testing and Board reporting. ECL Model Validation Conceptual soundness, data quality, assumption testing, benchmarking, backtesting and ongoing monitoring. Aligned with SR 11-7 and CBUAE MMS expectations. Model Risk Management (MMS / MMG) Enterprise model inventory and tiering, MRMF design, documentation framework, limit framework, governance committees, and full data lineage across the model lifecycle. ICOFR Implementation & Testing COSO 2013-aligned framework design, risk-control matrices, design and operating effectiveness testing, deficiency remediation and management attestation support. Internal Audit Services Co-sourced, outsourced or advisory engagements. Risk-based audit planning, model-specific audits, ICAAP and stress test audits, regulatory exam preparation and quality assurance reviews. Corporate Governance Board and committee frameworks, risk appetite, three-lines-of-defence implementation, governance gap assessments, Board training and Pillar III disclosure support. GCC Resilience Support Operationalising central bank directives at bank level. Strategic alignment, execution tracking, IFRS 9 staging implications, and Board / regulatory reporting under resilience packages. AML / CFT Compliance Frameworks written to Federal Decree-Law No. 10 of 2025: business risk assessment, policies and procedures, health checks, compliance department setup, screening and monitoring system testing and validation, training, regulatory reporting and managed KYC. Each engagement is calibrated to the specific supervisory expectations of the institution's home regulator, and, where relevant, the consolidated requirements of cross-border subsidiaries.
Pre-built, fully-editable Excel and Python tooling that compresses implementation timelines from months to weeks. Three engines, deployable standalone or as part of a broader engagement.
A fully automated IFRS 9 ECL computation engine for banks, NBFCs and fintechs. PD, LGD and EAD calibration, configurable SICR triggers, multi-scenario macro overlay, full audit trail.
Explore the ECL EngineBoard-ready enterprise stress model spanning credit, market, liquidity and operational risk across Minor, Moderate and Major severity levels. Centralised scenario calibration, automated capital impact summary.
Explore our Stress Testing ToolStandalone SME borrower grading and ECL on a 10-grade rating scale, with Stage 1/2/3 segmentation, watch list, and full audit trail. Purpose-built for finance companies, NBFCs, SME-focused banks and fintechs where SME is the core book.
Explore the SME Credit Rating ModelAnonymised by client confidentiality. Specific by methodology, scope and result.
The problem. A legacy ECL framework with limited segmentation, weak SICR triggers and inadequate audit trail, flagged in regulator dialogue.
The work. Full PD, LGD, EAD and ECL model rebuild across retail, corporate and investment portfolios. Macro overlay redesign with three-scenario probability weighting. Automation of staging, computation and reporting.
The problem. Pre-supervisory validation of full IFRS 9 model suite ahead of CBUAE thematic review, with explicit MMS-alignment requirement.
The work. Conceptual soundness review, data quality and representativeness assessment, challenger model development, sensitivity analysis, governance review aligned to SR 11-7 and CBUAE MMS.
The problem. Fragmented stress testing approach with no formal link between scenario assumptions, P&L impact and capital planning.
The work. Enterprise framework spanning credit, market, liquidity and operational risk. Scenario calibration to GCC macro variables. Direct integration with ICAAP capital projections and recovery planning.
We respond within one business day. No agency-style discovery process, straight to scope, fit, and what you actually need.
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