Customised advisory for development finance institutions, digital banks, fintech lenders, and traditional banks — from mobile lending model design to operational implementation.
Start Your ProjectSYLBEN (formerly Azerrisk Advantage) is an independent consulting firm founded in 2008, specializing in risk management, digital lending advisory, regulatory compliance, and financial inclusion.
Active across France, Africa, Europe, and the MENA region, we partner with development finance institutions, digital lenders, and traditional banks to design, calibrate, and operationally deploy credit strategies — from mobile scoring models to full IFRS 9 frameworks.
Founder & Managing Partner
Former Banque de France / ACPR supervisor, Deputy Head of General Inspection at Exane BNP Paribas. 20+ years in credit risk modelling, digital & mobile lending, Basel III, IFRS 9, and ALM strategies.
CEO
Expert in data analysis, financial modelling, and predictive analytics. Leads our R&D on generative AI for regulatory compliance.
We tailor our advisory model to the mandate and constraints of each client — from multilateral institutions to fast-moving digital lenders.
Credit scoring diagnostics, model recalibration, and technical assistance missions for DFIs and their portfolio companies, including instant/mobile lending programs in emerging markets.
Operational advisory for mobile and instant lending platforms: scoring model design, rapid recalibration cycles, and customised deployment that fits agile, API-first product teams.
Full-scope IRB, IFRS 9, and ALM advisory for established institutions modernising legacy credit infrastructure or expanding into digital lending channels.
From strategy to hands-on implementation — advisory calibrated to your operating model.
CORE FOCUS
End-to-end advisory for instant and mobile lending products: scoring model design for thin-file and alternative-data segments, rapid recalibration cycles, and API-ready deployment support for digital-first lenders.
CORE FOCUS
Advisory built around each client's constraints — team capacity, systems, regulatory regime, and timeline. We work embedded with your teams, not just on paper, from diagnostic to operational rollout.
Advanced credit scoring, portfolio diagnostics, and predictive performance optimization. Specialized in instant lending, SME, and retail segments with proven track record in recalibration and model improvement (up to 4x enhancement in predictive power).
Expected Credit Loss (ECL) modelling, hedge effectiveness testing, and forward-looking provisioning frameworks. Portfolio diagnostics tools and scenario-based macroeconomic projections.
Comprehensive IRB framework design, implementation, and validation. Calibration of rating systems, capital requirements calculation, and supervisory compliance documentation.
Tailored credit solutions for underserved markets. Custom scorecards for MSMEs, localized risk frameworks, and integration with banking systems across Africa and MENA region.
Asset-Liability Management strategies, stress testing, and scenario analysis. Financial forecasting tools, interest rate hedging optimization, and commodity price risk management.
Independent model review, performance validation, and supervisory audits. Comprehensive testing of credit, market, and ALM models with anti-fraud assessments.
Mobile Credit Risk Modelling Expert. In-depth recalibration of mobile instant lending credit scoring models. Enhanced model performance with predictive power multiplied by 4x.
Instant Credit Risk Models Assessment. Comprehensive diagnosis and recommendations on instant credit risk models. Strategic roadmap for model enhancement and regulatory compliance.
ALM Modelling & Financial Forecasting for the CFO. In-depth analysis of forecasting tools, interest rate environment impact, and cash flow projections.
Transition Manager - IRB, IFRS 9 & AML Model Validation. Internal validation of credit, provisioning, and anti-fraud models with governance framework implementation.
Generative AI and machine learning applied to credit risk, compliance, and digital lending decisions.
Development of AI-powered tools for regulatory compliance, risk forecasting, and financial decision-making. Ethical and responsible AI implementation with full auditability and confidentiality.
Active research in machine learning for credit risk, advanced analytics, and market risk optimization. Collaboration with academic institutions and financial innovation labs.
Ensuring ethical application of AI in banking. Full transparency, auditability, and compliance with emerging AI regulations. Bias detection and responsible decision-making frameworks.
Advanced data science applied to banking challenges. Proprietary tools for portfolio analysis, scenario generation, and forward-looking risk assessment.
Whether you're a DFI, a digital lender, or a traditional bank — let's discuss how a customised advisory engagement can support your credit strategy.
Email
bcougnaud@gmail.com
Phone
+33 6 84 94 15 14
Address
10 rue de Sully, 94220 Charenton-le-Pont, France