Who we are and what we do


A changing regulatory landscape, constantly evolving marketplace and a steady stream of new products and services mean that businesses need to be even more flexible, responsive and innovative.

10x Consulting® was created to work with businesses such as yours in the Financial and Payments sector to help you better serve your customers. Our specialist expertise in Risk and Fraud technology, as well as our experience in developing workable solutions across the credit lifecycle allows us to continually meet the changing requirements of our clients. At the same time, we focus on creating best practice systems and processes that transform businesses.

We have a dedicated team of subject matter experts who excel in their field and we aim to create a service that offers tailored, practical support to drive your business forward and ensure your continued success.

Business challenges


The Financial Services sector is becoming increasingly competitive. To maximise every opportunity, your business needs to react quickly to market changes. This can be achieved through the delivery of leading credit risk solutions and important strategy changes.

These programmes of work can be technically complex in nature and require deep domain knowledge and subject matter expertise. In addition to this, delivery timescales are often short and there can be many internal and external stakeholders to manage to ensure a timely delivery.

Some of the challenges that our clients face before they work with us include:

  • Not knowing how to deliver a complex risk change roadmap with skill, precision and speed, while reducing execution/delivery risk.
  • Lack of knowledge in the best way to optimise their investment in new and existing risk systems.
  • The requirement to mobilise a strong and experienced team but without the challenges of traditional, cumbersome solutions.
  • Increasing pressure to achieve cost savings while addressing a growing demand for change.
  • A requirement to constantly develop the business to keep pace with the competition while demonstrating sufficient flexibility to implement industry best practice.
  • Knowledge and capability gaps from legacy systems or lack of experience in the team.

10x Consulting


We have an outstanding track record delivering complex risk programmes and have real world experience when it comes to delivering solutions across the credit lifecycle.

We can provide an end to end project capability from initial planning, requirements gathering, technical design and build, testing and implementation. All our consultants have extensive and specific business domain knowledge rather than generic project delivery skills. This approach ensures we are able to deliver high quality deliverables efficiently, reducing overall project costs and minimising delivery risk.

Our team will help you deliver programmes the right way, educating and equipping your employees with valuable programme delivery skills while positioning your teams to cope with future demand. We will work collaboratively with your employees, giving them the knowledge, tools and resources to expertly manage programme delivery for your business.

Our Programme Delivery work includes:

  • Technical Consulting - Using our technical expertise across many leading technology providers and in-house solutions, we can ensure that system design, build and configuration is fully aligned to your business requirements.
  • Change Management - Positioning your business in the best way to effectively and efficiently manage change.
  • Programme Scoping - A short high impact consulting engagement specifically focussed on programme setup and initiation activities. Using our experience of large risk programmes, we can advise on the best resourcing and structure to ensure both a high quality and efficient delivery whilst minimising delivery risks and costs.
  • Programme Management - Ensuring that your projects are expertly coordinated and implemented in such a way that they fully support your business objectives.
  • Programme Recovery - Bringing your projects back on track or transforming those that may be underperforming right now.

Functional expertise:

  • Customer acquisition
  • Customer management
  • Payments & card processing
  • Credit bureau & data services
  • Fraud and financial crime
  • Collections & recoveries
  • Business intelligence and reporting
  • Data and cloud migrations

If your business needs assistance with Risk programme delivery, we can work with you as a trusted partner to help shape and deliver your change roadmap.

We recognise that a large component of risk change is not delivered as part of a large programme of work, but rather smaller configuration changes to existing platforms from leading providers such as Experian and FICO. We have developed a specific service to assist client’s in delivery of those ongoing configuration changes - 10x Decisions.

Introducing 10x Decisions


The majority of ongoing risk change is the configuration of Decision Engines with the latest business strategies. These changes are often delivered by a risk business team with implementation support from IT. The traditional model of creating additional capacity in these specialist teams and the recruitment of dedicated interim resources is both time consuming, costly and comes with attending quality risks.

The changes that are implemented are typically delivered through the configuration and implementation of decision systems (from leading providers such as Experian & FICO or in-house risk solutions). All of which will require detailed design, careful coding, testing and implementation by skilled experienced business teams.

Some of the challenges that our clients face before they work with us include:

  • Not knowing how to deliver a complex risk change roadmap with skill, precision and speed, while reducing delivery risk.
  • Lack of knowledge in the best way to optimise their investment in new and existing risk systems.
  • The requirement to mobilise a strong and experienced team but without the challenges of traditional, cumbersome solutions.
  • Increasing pressure to achieve cost savings while addressing a growing demand for change.
  • A requirement to constantly develop the business to keep pace with the competition while demonstrating sufficient flexibility to implement industry best practice.
  • Knowledge and capability gaps from legacy systems or lack of experience in the team.

When an organisation is facing one or more of these issues the solution is to often recruit interim resources to provide the additional capacity required to meet changing business needs. However, this brings with it many risks and disadvantages.

The procurement of external resources is costly and time consuming:

  • Little to no quality assurance. Often the client remains fully accountable for the quality of resources.
  • This method of seeking additional support can only be acquired in units of 1 FTE which can result in the under-utilisation of resources.
  • Reliance on individual interim resources could be limited when compared to a pooled team such as one provided through 10x.
  • Many banks have elected not to use contract services which further reduces the supply of suitably qualified resources.

We have a created a service that specifically solves these problems, 10x Decisions.

10x Decisions is both a scalable and flexible outsourced service that streamlines and simplifies the change process, while at the same time bringing greater efficiency and cost effectiveness to your business.

The solution focuses on four main areas:

  • Flexibility - Our solutions are scaled to meet your requirements.
  • Filling Knowledge Gaps - The services that we offer at 10x aim to supplement your existing knowledge while addressing any gaps in skills, capabilities and knowledge.
  • Maximising ROI - Using your system infrastructure to achieve the highest return on investment.
  • Agility - To increase agility so you can better serve your customers.

10x have decades of experience in the delivery and maintenance of risk technology for banks and financial institutions.

Our consultants are highly skilled at what they do, and we can offer the most flexible and scalable services to facilitate the change that will strengthen your business for the long term.

10x Decisions can be purchased in increments of 50 hours on a monthly basis.

Project services


10x Decisions can also provide wrap around project services. You can take this option if the scope of your project doesn’t fit in with the traditional change as a service model.

Tailored specifically to your requirements our project services can help you with:

  • Programme leadership
  • Project delivery
  • Project management
  • Governance and PMO
  • Business analysis
  • Test management and support

10x benefits


10x Consulting have formulated a comprehensive methodology that has been tried and tested on many occasions to ensure continued programme success. It is designed to eliminate unnecessary delay and spiralling costs.

With our team supporting your business we can help you pinpoint with accuracy and efficiency the exact requirements for the project and then guide you through step by step, to successful implementation. We work with you throughout the entire process, offering expert advice, guidance and support on resource planning, activities required and roles and responsibilities to ensure the overall success of the project.

Some of the benefits of working with us include:

  • No lead time - The service is on demand for the allocated hours with additional hours available for purchase.
  • Client teams are solely focused on achieving business objectives and the requirements of change rather than being focused on the acquisition and recruitment of external resources.
  • Improved quality assurance ensuring that your business is supported by the highest calibre consultants.
  • Service assurance which allocates more resources to your business rather than being limited to just one resource with traditional interim hires.
  • Increased domain knowledge, drawing on the extensive expertise of our team allowing us to support multiple technology and business domains, many of which are beyond the reach of a single resource

If you think that any of our services would be a good fit for your organisation, we would be happy to discuss your requirements in more detail. Please contact our team for further information and guidance and we will be happy to assist.

Contact us


10x Consulting Ltd  |  Regus House  |  Herons Way
Chester Business Park  |  Chester  |  CH4 9QR

e.  enquiries@10xconsulting.co.uk
w.  www.10xconsulting.co.uk

li.  10x Consulting Ltd