Every way AI moves your P&L

What AI does, which line it moves and how to tell which ones pay for you.

Which ones pay for you?

The eight levers

Each one says what AI does, which line of your P&L it moves and why.

  • GrowUp: Interest

    Scores applicants with thin or no credit files, using your own data

    WHYMore customers at the same loss rate, and a clear reason for every decline.

  • GrowUp: Margin

    Prices each customer for their own risk

    WHYGood customers stay, and riskier ones pay for their risk.

  • Early warningDown: Reserves

    Spots the change in behavior weeks before a missed payment

    WHYLess of the book rolling to default, and lower reserves under CECL or IFRS 9.

  • Early warningDown: Losses

    Trims the credit line of customers who are slipping

    WHYLess exposure when they default.

  • CollectionsDown: Collection cost

    Tells you who to call first

    WHYYou recover the same with fewer calls.

  • ProtectDown: Fraud

    Separates fraud from your good customers

    WHYYou stop more fraud without blocking good customers.

  • EfficiencyDown: Operating costs

    Approves the clear-cut cases on its own

    WHYYour analysts only see the borderline ones.

  • GrowUp: Revenue

    Flags the good customer who is about to leave or needs more credit

    WHYYou make the offer before they leave.

Nobody needs all eight at once. The check tells you which ones pay first on your book. See which ones pay for you →

Free P&L check

How much can AI move your P&L?

Ten questions about your loan book, about 3 minutes. Your result shows up on screen right away.

You’ll see

  • How much your profit could grow a year, in dollars or pounds
  • Which P&L line each lever moves
  • The two levers that pay first for you
  • A 4-page report by email, if you want it
Marco Pérez

Who you'd work with

Marco Pérez

I spent 15 years leading credit and analytics at a Fortune 500 finance company, answering for the profit of a $2B portfolio. Along the way I've led tailor-made data and AI projects, from the reporting behind a $500M capital project to systems rolled out across five countries.

Halcyon Pryce is a small, senior shop. We design each system around how your firm works and build it ourselves, from the data to the app your team uses. You work with Marco directly, not a junior team, and every project starts with a fixed scope.

$2B
portfolio whose profit he answered for
7 days → under 1
per decision, after he rebuilt the process with data and models
90%
more efficient executive reporting, rebuilt for a $500M capital project
100%
executive adoption, CFO included, of a workflow rebuilt across five countries
  • Advised the General Manager and the C-suite on funding and P&L decisions, and led a 24-person team.
  • Built the firm's first BI platform and its first advanced analytics function, and a deal-scoring tool that became the standard across the group worldwide.
  • Worked across Mexico, the U.S., Brazil and Europe. Educated in the U.S. (VMI) and the U.K. (Coventry MBA). Bilingual in English and Spanish.

Marco on LinkedIn (opens in a new tab)

Recommendations

In their words

From recommendations people left for Marco on LinkedIn.

He has a particularly strong edge when it comes to AI and market analysis, where his expertise adds significant value in data-driven decision-making and strategic direction.

His ability to translate vision into actionable results is truly second to none.

Chief Supply Chain Officer, MarineSolar Energy SolutionsClient

His support was instrumental in automating processes, reducing operational workload, and enabling more strategic, data-driven credit decisions.

Executive Director, BrazilWorked together

He listened carefully to what I put to him, asked me questions that made me think harder about what I wanted to get across, and gave me concrete recommendations that were easy to put into practice…

(translated from Spanish)

Accounting ManagerColleague

…has a perfect command of Credit Risk and of Data Science focused on AI.

(translated from Spanish)

Ingeniero, Universidad Autónoma de Baja CaliforniaWorked together on the same team

During our conversations he showed a structured approach to solving problems, the ability to lead diverse teams and a solid understanding of the financial and operational challenges organizations face.

…a clear focus on continuous improvement and on using technology to make decisions.

(translated from Spanish)

Partner Director, Executive SearchExecutive search partner

Rather talk it through first?

Book 30 minutes with Marco and bring the process that costs you the most.

Book 30 minutes (opens in a new tab)