African Bank
"PIC Solutions has an excellent reputation in the micro finance industry and we have identified a broad range of assignments that we want to progress over the next twelve months. As PIC Solutions has a successful track record of working with a number of credit grantors that are associated with African Bank, then it made sense to work with them ourselves."

Alvar Olivier
Head of Market Management

Akbank
"An effective workforce is vital to an organisation's success and Akbank recognises the important role our personnel play in meeting our strategic goals. We are committed to expanding our knowledge-base today to ensure that we remain the banking leaders of tomorrow. We selected PIC Solutions for their extensive credit and risk experience in the financial services industry. Through their valuable knowledge, our personnel gained the skills needed to maximise opportunities and build life-time customer relationships that are critical to our success."
 

Bade Sipahioglu
HR and Organisation Division Head

HSBC Bank Middle East Limited
"PIC Solutions has been involved in a wide-range of projects in the Middle East and their consultants have significant experience of the credit environment in which we operate. This consulting contract offers us the flexibility of using PIC strategy consultants to develop and implement new credit risk and marketing strategies."
 

Hima Bhandoola
Senior Personal Financial Services Manager

Saudi Hollandi Bank
"Saudi Hollandi Bank is committed to improving the overall profitability of the organisation through effective risk management technology. We have a number of initiatives planned to maximise the efficiency and value of our credit card and consumer loan portfolios. We look forward to the opportunity of working with PIC Solutions and hope to effectively improve our business policies and strategies with the help of these new scorecards."
 

Yasser Nazeer
Head of Consumer Credit and Risk

Standard Bank
"Standard Bank is committed to improving our credit risk management throughout the Bank. PIC Solutions understands the South African banking industry and can offer us unique credit and risk expertise which we can use to achieve our strategic objectives."
 

Douglas Walker
Director of Scored Unsecured Credit
 

Visa International
"On behalf of Visa International CEMEA Region we would like to thank and commend your team at PIC Solutions for your considerable effort in making this project, the biggest Credit Risk Project of this nature undertaken in the Gulf Region, a real success."
 

David Treadgold
Project Manager

Visa International
"The greatest barrier to Visa credit card issuance in the CEMEA region is the banks' fear of risk. This manual is an excellent means of building knowledge and confidence and PIC were ideally placed to complete this assignment after the success of the seminars that they have previously delivered."
 

Stuart Clayton
Head of Credit & Co-branding Products

Zambia National Commercial Bank Plc (ZNCB)
"As part of our ongoing commitment to improve credit risk management best practices, ZNCB seeks to ensure that our credit life cycle strategies are effective and that they match industry benchmarks. The Credit Life Cycle HealthCheck will ensure us that our entire operation will be optimised."
 

Mark Wiessing
Managing Director