OUR SERVICES

Risk Management Consulting

In today's business world, due to uncertainties and changing conditions, risk management and internal control systems have become indispensable parts of companies. Through governance, risk management, and internal control systems, companies strengthen their decision-making processes, enhance operational efficiency, and adopt a proactive approach to uncertainties. Effective risk management and internal control practices enable organizations to be prepared for unexpected situations, manage their assets efficiently, and minimize potential losses while maximizing potential benefits. The services we provide in this scope include:

Enterprise Risk Management (ERM) Consulting
Financial Risk Management Consulting

ENTERPRISE RISK MANAGEMENT (ERM) CONSULTING

Enterprise Risk Management (ERM) is a comprehensive consultancy service that involves systematically identifying, classifying, analyzing, managing, and monitoring the risks that companies face to achieve their strategic objectives.

Determination of corporate risk inventory.
Defining risk categories, classifying risks, prioritise risks and selecting risk responses appropriate to risk appetite.
Identification key risk indicators (KRIs).

Establishing continuous monitoring and continuous auditing systems.

Establishing risk reporting and communication lines, establishing technological infrastructure and carrying out continuous monitoring activities.
Monte Carlo simulation analysis

Establishing risk management policies and procedures.
Establishment of the risk committee and designing its charter.
Determining the company's risk management maturity level and development areas.
Preparation of ERM integrated reporting.

FINANCIAL RISK MANAGEMENT CONSULTING

A. CREDIT RISK MANAGEMENT

Credit risk management is a risk management activity that oversees the financial obligations of major customers or business partners. It plays a crucial role in the effective management of financial institutions, banks, insurance companies, and large enterprises. The services we provide in this context include:

Credit Evaluation and Approval

Analysis of the client's financial status, credit history, cash flow and income level, and other financial information through credit application reviews.
Development of customized credit scoring models and algorithms to measure the client's credit risk, tailored to the consulting company's needs. These models are based on factors such as past payment habits, debt-to-income ratio, and other financial indicators.
Determination of the maximum credit amount that can be extended to the client.

Credit Risk Monitoring and Risk Analysis

Regular monitoring of credit payment performance. Payment delays or signs of default are analyzed in real-time using proactive algorithms.
Evaluation of collateral acquisition, external insurance, and hedging methods to reduce credit risk.
Credit portfolio stress testing, scenario analysis, development of preparedness plans against economic changes and crisis scenarios.

Credit Risk Reporting

Reporting of portfolio distribution (geographic distribution, sectoral distribution, demographic distribution, etc.), portfolio size and risk segmentation through credit portfolio reporting.
Reporting on repayment performance, default rates, and risk ratios.
Providing educational programs and workshops focused on credit risk management.

B. Cash Management Risk

Cash management risk involves consultancy aimed at ensuring companies effectively manage their cash flows. This includes cash flow forecasting, receivables management, trend analyses, projections, scenario analyses, and determining cash reserve ratios. The analysis of cash management is conducted across three fundamental risk types:

Liquidity risk. Conducting liquidity analysis to meet short-term obligations, determining the ratios of cash and cash-equivalents, establishing the minimum cash balance, and setting strategic cash reserves.
Operational risk. Identifying cash risks resulting from errors, deficiencies or inefficiencies in cash management processes (inaccurate cash forecasts, incorrect cash flow reporting, inadequate internal control mechanisms, etc.)
Financing risk. Identifying risks related to cash availability due to issues accessing financing sources (e.g., inadequate controls in credit limit planning and financial statement analysis).

C. Market Risk Management

Market risk management involves consultancy services focused on identifying, measuring, monitoring, and controlling risks arising from fluctuations in financial markets. The services provided in this context include:

Interest rate risk. Analyzing the impact of changes in interest rates on financial assets and borrowing costs, and utilizing derivative instruments such as interest rate swaps, futures contracts, and options.
Exchange rate risk. Evaluating the impact of currency fluctuations on financial risks arising from international transactions. This includes the use of instruments like currency forward contracts, currency options, and cross-currency swaps.
Equity price risk. Managing the risks associated with fluctuations in stock prices.
Equity risks. Addressing risks related to changes in equity and capital structure.
Other financial risks.