World Class Lending Solutions for Financial Institutions
2OS is a boutique credit advisory firm that provides credit risk consultancy services for clients ranging from top 10 banks to financial technology startups throughout the world. Our credit experts use groundbreaking data analysis and modeling techniques to deliver superior economic outcomes and sustainable competitive advantages for our clients.
We Serve All Phases of the Lending Lifecycle
Customer Acquisitions
- Custom marketing & underwriting models
- Credit policy
- Valuations models
- Loss forecasting
- Pricing strategy
- Marketing channel optimization
- Marketing & underwriting testing strategy
Customer Management
- Custom risk models
- Credit limit increase / decrease
- Valuations models
- Retention
- Inactive strategy
- Cross sell
- Customer management testing strategy
Collections & Recoveries
- Contact strategy optimization
- Digital collections strategy & turnkey execution
- Customized treatment streams
- Targeting models
- Operational re-design
Fraud Strategy
- Custom fraud models
- Fraud rule design
- Digital authentication strategy
- Fraud decision frameworks
- Operational re-design
- Contact strategy optimization
Industry Perspective
Get a detailed look into what we’re currently seeing across the industry and how we continue to solve some of the world’s most challenging credit problems for our clients.
Our Experts
Our team is made up of some of the best business analysts and data scientists in the world. We strive to create a collaborative, high performing environment that promotes rapid development for our people while consistently delivering amazing results for our clients.
Tosan Johnson
“2OS is a unique place to work, as we work with some of the largest financial institutions in the world, but still maintain a small company feel. Every interaction feels genuine and the relationships I’ve built with my coworkers and clients will move forward with me throughout my career.”
Jennifer Wilson
“I could not have asked for more intelligent and friendly co-workers to work with and learn from. I love working in such a collaborative environment and learning from my peers.”
Clare Hammonds
“2OS gave me the opportunity from day one to take ownership of my work and ideas. From my first project, I was given the chance to perform analysis, communicate it with the client, and defend my work. Getting to work with the rest of the 2OS team gives me the chance to learn so much every day from those who are more experienced.”
Matty Pahren
“I love working at 2OS because I feel deeply cared about here. My co-workers all wish to see me succeed, and they help me challenge myself and build upon my current skillset. In addition to career development, I also feel looked after as a person. There is a wide network of support at 2OS, and I’m really grateful to be a part of such a welcoming, strong, and fun community.”