We can stay with you to support any implementation, and carry out post-implementation reviews.


ThreeCs monitors KPI's, assesses your MI, and works with you to deliver the planned improvements. 



ThreeCs Limited, which formerly traded as Caledonia Credit Consultancy, is a niche consultancy and training business active in the credit risk management arena within retail banking. Expertise is in key areas of statistical, strategic and operational analysis across the spectrum of bank consumer lending.

The main focus is on optimising the use and implementation of credit scoring in lending organisations. However, this often leads onto other strategic and operational issues in consumer credit risk management beyond the actual development of the scoring models, such as application processing, risk policy and strategy and their implementation, fraud identification and prevention, customer management, collections processes, and debt sale. 

We have also spent much time supporting clients in the areas of communications, training, data quality, MI, and the general identification and management of risks throughout their business.

  • Credit Strategy and Scorecard Implementation
  • Scorecard Monitoring
  • Training
  • Collections Methodology and Processes
  • MI Development and Review
  • Compliance
  • Data Quality Audits
  • ‚ÄčInterim Management

Business Consulting



We identify technology, training, and process needs and, as required, can help you to source these externally. 

Our principal consultant is david Edelman, who brings  30 years in consumer lending.

Associates have special expertise in various areas including scorecard development, risk management, project management, collections techniques, and compliance. .

ThreeCs works with you to identify your needs.