4most

Founded in 2011, 4most is a UK-based consultancy specializing in credit risk, data science, and analytics. The company provides bespoke modelling, validation, and strategic advisory services primarily to banks, lenders, and other financial institutions. Their mission is to help clients optimize their decision-making processes, manage risk effectively, and navigate complex regulatory landscapes such as IFRS 9 and Basel. By combining deep industry expertise with advanced analytical techniques, 4most delivers data-driven solutions to enhance profitability and ensure compliance for its clients.