Inforensics - IFRS9 ECL Modelling and Analytics

What we do

Products & Services

Core

IFRS 9 ECL Modelling

RiskLab online portal for automated IFRS 9 ECL, portfolio monitoring, management reporting and auditing.

Automated ECL engine:: Standardised data inputs, model runs and reporting for monthly and ad‑hoc cycles.
Forward‑looking scenarios:: Built‑in macro‑economic scenarios and impact assessments for IFRS 9 compliance.
Credit analytics:: Drill‑down performance metrics and loss analysis across products, cohorts and segments.
Full audit support:: Detailed model framework documentation and walkthroughs to support internal and external audit reviews. IFRS 9 compliant disclosures and reports included in suite of reports.
Proven audit track record:: RiskLab models have been successfully audited since 2018 by multiple firms across regions, including teams from PwC, EY, Grant Thornton, Mazars and others.
Embedded guidance:: In‑app explanations and chatbot support to help your teams interpret the results.

RiskLab product sheet

Project-based

Comprehensive analysis and quantitative modelling services

Independent model and portfolio reviews, as well as transaction support for lenders, investors and regulators.

Quantitative loan book review:: Deep‑dive analysis of portfolio quality, recoveries and loss performance. Perfect for Due Diligence engagements.
IFRS 9 model assessment:: Challenge and benchmarking of existing models, assumptions and overlays.
Transaction support:: Independent views for acquisitions, securitisations and capital raises.
Strategic insights:: Actionable recommendations to improve risk‑return and provisioning outcomes.

Project-Based services sheet

The difference

Why choose Inforensics

With our team of actuaries & data scientists, stack of bespoke technology, and industry experience, Inforensics can automate, simplify, greatly reduce your IFRS 9 ECL modelling efforts, credit risk procedures and analytics, enabling you to unlock insights for strategic development within your organisation.

Automation

Automate IFRS 9 ECL runs, reporting and portfolio monitoring so your existing teams can focus on strategic decisions rather than manual processes.

Scale

Maintain lower costs while scaling your operations across multiple regions and loan portfolios with our efficient scalable solutions.

Support

Access to experienced professionals and comprehensive support to ensure your success with IFRS 9 ECL modelling and internal- and external audits.

Flexibility

Tailor workflow capabilities to meet your specific business requirements and regulatory compliance needs.

Cost Efficiency

Enterprise-grade IFRS 9 modelling, analytics and support, at a fraction of the cost of building and maintaining a new in-house model and team.

Building the model is only the start. Actuaries, quantitative analysts and developers stay on to run it, keep it aligned with regulation, and support audits. In-house cost stays high after the build. RiskLab includes that platform and that expertise in one subscription.

In-house model and team

The model framework is built. In-house cost levels off, then rises with salaries, model governance and audit support.

RiskLab subscription

Updates and audit support sit inside the fee. There is no separate specialist team to hire or retain. The subscription is fixed and predictable, with no hidden costs.

Who we work with

Clients

Since 2018 our solutions produced optimised IFRS 9 Expected Credit Loss models in 12 regions across Africa and abroad.

Botswana

Eswatini

Ghana

Kenya

Malawi

Mozambique

Namibia

South Africa

Tanzania

Uganda

Zambia

Zimbabwe

In their words

What our clients say

Matt Black

Chief Financial Officer

Manati • South Africa

"Inforensics (Risklab) is a massive driving force behind our decision making - their expertise around IFRS9 provisioning and credit risk benefits Manati each and every month. Through the portal we are able to regularly review our book position and make data driven decisions that we can back up with numbers we are 100% sure around. As a team they are knowledgable, responsive and generous with their time and expertise, and we greatly value our partnership. Thank you Gunther, Dirk and team!"

Sandisiwe Dube

Country Manager - Risk

First Capital Bank • Botswana

"Inforensics delivered quality customer-centric products and support, tailor made for our specific needs. We always have comfort that their models are in line with best practice, and that they fully understand application of IFRS and modelling standards.The team is supportive and available, always willing to engage with various stakeholders on behalf of their customers, and to go above and beyond to give comfort that their solution is the best fit for the business."

Joshua Adams Waite

Chief Operating Officer

Fin • South Africa

"Inforensics stands out because their team truly understands the core processes behind IFRS 9 models and what they mean for your business. They help you quickly identify and resolve issues, giving you the ability to make changes before they escalate into significant financial impacts on your operations."

Faith Chenda

Senior Finance Manager

Centenary Bank • Malawi

"We developed a relationship with Inforensics at a time when the standard was new and drew much attention from many stakeholders. It was at this time when their unwavering support was felt the most. Be it in the way the team was able to come in during monthly reporting, audits and board demands. We have always had support and continued improvement on the way the data itself is presented. They have honestly filled the gaps with confidence that they will once again come through!"

Amit Jagannathan

Group Transformation Manager

First Capital Bank • Group Head Office

"Testimonial"

Mark Seymour

Founder & Chief Executive Officer

Thuthukani Housing Finance • South Africa

"The automation and reporting insights have streamlined our IFRS 9 process, reduced costs, and made IFRS reporting achievable for us as a medium-sized enterprise."

IDP

Ivan Du Plessis

ex. Partner

Deloitte • South Africa

"What stands out is the combination of technical excellence and genuine support from the Inforensics team."

The team

Who we are

Gunther Marais

Chief Executive Officer (CEO)

Gunther has over 16 years of experience in banking risk management, specialising in quantitative modelling, counterparty credit risk, and derivative valuations. After joining MyBucks as a credit risk analyst in 2015, he progressed to Group Chief Risk Officer in 2019, overseeing group-wide risk reporting and IFRS 9 modelling. As founder of Inforensics, Gunther combines his passion for quantitative modelling with innovative technology to deliver automated, practical risk solutions to financial institutions. He holds an MSc in Applied Mathematics.

Dirk Postma

Chief Technology Officer (CTO)

Dirk specialises in IFRS 9 Expected Credit Loss (ECL) modelling, data science, and software development, bringing nine years of experience in the field. He holds an MSc in Chemical Engineering, which underpins his analytical and problem-solving approach to financial risk modelling. Having transitioned from the engineering sector into credit risk analytics, Dirk combines expertise in Python, R, and SQL with a passion for developing automated, technology-driven solutions that simplify complex modelling processes and deliver practical value to financial institutions.

Engagement

Pricing

Transparent pricing for ongoing IFRS 9 modelling, analytics and audit support.