MathenAnalytics

Credit risk, made clear.

Practical credit risk, collections and analytics for payments and lending businesses: complex maths, explained in plain English.

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What we do

Merchant credit risk frameworks

Segmentation, probability of default (PD) matrices, exposure calculations and collateral triggers (rolling reserves, holdbacks, settlement delays) for acquirers and payment providers.

IFRS 9 provisioning

Expected credit loss (ECL) models your auditors can follow, built on your own processing data.

Risk-adjusted profitability

See the true margin of each merchant or customer once credit losses are factored in.

Collections strategy & analytics

Segmentation, payment-method optimisation and performance analysis that cut arrears and cost.

Ongoing managed risk service

Monthly scoring and provisioning reports, so your team doesn't have to run them.

How we work

  1. The Rulebook

    We agree the methodology, policies and assumptions with your Risk and Finance teams.

  2. The Engine

    We build the calculators and data pipeline, run your live portfolio and hand over with training.

  3. Ongoing support

    Optional monthly batch runs and reporting.

Fixed-fee, phased projects. You sign off each stage before the next begins.

Daniel Sattary

About

Mathen Analytics is led by Daniel Sattary, a credit risk and collections leader with 15+ years across UK lenders, payments and pan-European collections. He has:

  • built a payments credit risk function from scratch at Ecommpay, reducing exposure by 30%
  • delivered £5m+ of value through machine-learning models at Intrum
  • led collections at 118 118 Money, driving £1m+ commercial wins within six months

He also holds an MMath from the University of Sussex.

Contact

Tell us about your portfolio and what you need.