Futuredigisvc
Risk management audits for lending platforms — testing whether credit, portfolio, and collections controls hold when the book is live.
Primary engagement
Lending Risk Framework Audit — a structured review of how credit policy, underwriting, and exception handling operate across your digital lending stack.
You receive a ranked control gap register, sample-tested evidence, and a remediation sequence risk and product teams can schedule. Indicative fees are listed for planning only; work begins after a written proposal.
Related audits
Request a focused review or combine modules into a wider assurance programme for your lending book.
Lending Risk Framework Audit
End-to-end review of credit, operational, and model risk controls across your consumer or SME lending platform.
Credit Decisioning Control Review
Sample-based testing of decision engines, override paths, and scorecard governance for digital lenders.
Portfolio Risk Assurance
Independent assurance over vintage tracking, early-warning indicators, and concentration limits on the live book.
Collections & Recovery Controls Audit
Review of delinquency workflows, agent authority, and customer treatment controls for lending operations.
From recent engagements
Lending teams who asked us to test whether their risk controls survive scrutiny.
They traced our decision overrides to actual loan files. The board finally saw where policy and production had parted ways.Head of Credit Risk — Consumer lending platform, Hong Kong
Portfolio assurance arrived as a short register of control gaps—not a three-hundred-page binder nobody could action.CRO — SME digital lender
Collections sampling was practical. We fixed authority leaks in two sprints instead of debating process diagrams.Operations Director — BNPL and instalment products
Common questions
What lending platforms do you audit?
Consumer, SME, and instalment lenders operating digital origination and servicing stacks—typically with Hong Kong or regional books. We focus on risk management controls, not software implementation.
Do you take payment on this website?
No. Fees listed on service pages are indicative only. Engagements start after a written proposal; payment is arranged offline.
How do you handle sensitive loan data?
We agree access scope in writing, prefer read-only extracts and masked samples, and return or destroy working files per the engagement letter.
Can you work with our internal audit team?
Yes. Many clients ask us to co-source fieldwork or challenge an existing risk framework before a board or supervisory review.