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Senior Credit Consulting

Elevate the Take Rate of your credit operation.

Senior consulting in credit engineering, agentic AI and risk models - compensated by your results.

Talk to a Specialist See how it works
INPUT Bureau + Behav. SCORE ENGINE 742 Gini 0.61 · K-S 0.48 POLICY ENGINE APROVADO TTD < 4 min REFERIDO MANUAL AI AGENT KYC · Cobrança Monitoramento LGD TARGET 3.2% APPROVAL RATE +15pp
The Diagnosis

The gap between strategy and execution.

Consultancies deliver the "what"

Sophisticated strategy, precise diagnosis - but no real implementation in your credit system.

Software vendors deliver the tool

Robust technology, ready decision engine - but they don't calibrate parameters for your specific business.

Your internal teams know the business

Deep operational knowledge - but without the time and technical depth in quantitative risk to deliver change.

Take Rate delivers the how - with real execution, KPI-driven.
How We Work

Four verticals. One obsession: results in your P&L.

We act end-to-end - from credit journey architecture to multichannel orchestration with agentic AI.

Credit Strategy & Journey

We design and implement decision pipelines for individuals/companies, BaaS and Corban channels - from credit policy to engine parameterization.

FICOExperianNeurotechBaaS

Risk Engineering & Modeling

We build and calibrate scoring, LGD and default probability models using Machine Learning - integrating with existing platforms.

ML / XGBoostScorecardLGDGini

Agentic Operations (AI)

We automate KYC, digital credit desk and preventive collections with AI agents - reducing TTD from days to minutes.

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Cross-Channel Orchestration

We orchestrate credit journeys across multiple channels - app, SMS, WhatsApp, email and physical - ensuring offer consistency and personalization at each cycle stage.

WhatsApp APISMSCRMCDP
KPIs in Our DNA

Our success is measured by your indicators.

We don't deliver slides. We deliver better Gini, LGD and Approval Rate.

Gini · K-S

Scorecard Statistical Precision

We calibrate the scorecard to maximize separation between good and bad payers - increasing policy precision without increasing risk.

LGD

Loss Given Default

We structure preventive collection strategy and collateral management to reduce effective loss on defaults - directly in your P&L.

Approval Rate

Approval Rate

We recalibrate the score cutoff and credit policies to grow approval without increasing delinquency - responsible expansion.

TTD

Time-to-Decision

Automation with AI agents and parameterized decision engines reduces decision time from days to minutes - experience and efficiency.

Disclaimer: The indicators and results presented on this website (Gini, LGD, Approval Rate, TTD, among others) are references from real projects conducted by Take Rate. Past results do not guarantee identical results in future projects — each credit operation has its own characteristics, data, and context. Take Rate is a B2B consultancy and does not offer, intermediate, or grant credit directly to end consumers. Our services are provided exclusively to businesses.

Work Model

Skin in the game. We win when you perform better.

Predominantly variable compensation, tied to real improvement of agreed KPIs.

1

Initial Diagnosis

We map your operation, identify improvement opportunities and define the project's success KPIs together with your team.

2

Hands-on Implementation

We parameterize engines, build models and deliver them running in production - 4 to 12 weeks depending on scope.

3

Success Fee

We are compensated based on the real improvement of agreed KPIs. You pay more when you earn more.

Setup Fee

Project Activation

Coverage of backtest and initial structuring. Fixed and reduced amount - minimum commitment to start.

Success Fee

Performance Compensation

Percentage of measurable improvement in agreed KPIs. Total incentive alignment.

Retainer (Opcional)

Continuous Support

For clients who want continuous monitoring, policy adjustments and internal team support.

References & Methodological Alignment

Every decision follows regulatory standards and technical practices consolidated in the credit market.

CAT 01

Regulation & Standards

Regulatory compliance

Adherence to Central Bank standards, international committees and data protection legislation — the foundation of any risk model in production.

  • BCB · 4.557 Resolução CMN 4.557 — integrated risk management.
  • Basel III Acordo de Basileia III — capital, leverage and liquidity.
  • IFRS 9 IFRS 9 / CPC 48 — expected loss and ECL.
  • LGPD Lei 13.709/2018 — data treatment and governance.
CAT 02

Frameworks & Technical Standards

Statistical modeling & ML

Widely validated metrics and practices in scoring, model calibration and production governance — comparable and auditable.

  • Gini · K-S Discrimination metrics — good × bad separation.
  • PD · LGD · EAD Expected loss components — IRB and Basel.
  • CRISP-DM Modeling lifecycle — from data to deploy.
  • MLOps Continuous monitoring — drift, PSI and re-calibration.
First Step

Let's talk about your credit challenge.

Our first contact is a direct conversation with a senior specialist - no generic presentation, no proposal before understanding your context.

Response within 24 business hours

Quick response from a senior specialist - no intermediaries, no SDR.

Conversation with a senior specialist

From the first contact, you speak directly with who will execute the project.

No hiring commitment

The initial conversation is to understand your context - you decide the next steps.

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