RISKROBOT™ 2.0
The Default Infrastructure for
Credit Risk Modelling
Problem – Credit Risk Modelling is Broken
Slow
6–12 months to build a model
Expensive
$300k–$1.5M per model + recurring validation costs
Opaque
legacy tools lack explainability
Systemic risk
banks spend billions yet still fail audits
The global financial system runs on outdated, fragile risk models.
Market Triggers: Regulation→ Forces Adoption
U.S. (NOW):
H.R.1 (July 2025): frees liquidity but enforces compliance deadlines (2026–28)
CECL: lifetime expected loss → banks must rebuild models
Global (INEVITABLE):
Basel IV: capital requirements, full auditability
EU AI Act: explainable, regulator-ready AI mandated
Banks worldwide must modernize risk infrastructure
10× faster
models in hours, not months
70% cheaper
compliance costs cut in half
Regulator-trusted
explainable AI aligned with Basel IV, CECL, IFRS9, EU AI Act
Cloud-native + Agentic AI
scalable across portfolios, countries, and teams
SPIN doesn't patch the old system. It replaces it.
Quantified Proof
90%
Time Reduction
End to end model build
70%
Cost Reduction
Compliance costs (audit-ready outputs)
12
Banks Validated
Across 3 continents
(HSBC, Truist, ING)
ROI Impact – Tier-1 U.S. Bank (#6 in size)
2
Before (Legacy)
Model Build: 6 months
Compliance Cost: $1.5M+
Opaque / Audit Failures
5
After (RISKROBOT™ validation)
Model Build: 2 days
Compliance Cost: –70%
Regulator-ready, Automated Documentation
Why Now: interest in AI + risk management + compliance tools
1
2
3
4
1
U.S. policy shock
H.R.1 + CECL → immediate triggers
2
Basel IV / EU AI Act
global inevitability
3
Geopolitics
tariffs, inflation, volatility expose cracks in legacy models
4
Distribution locked
Accenture, PwC, McKinsey embedding SPIN into billion-$ programs
Next 12–24 months will define the category leader.
RISKROBOT™ safeguards banks and investors:
transforming uncertainty and shifting risk premia into clarity and resilience
Market Opportunity
$51B+
Global Market
Credit risk & compliance software
spend by 2030
10,000+
Banks Worldwide
$100M+
Annual Spend
Tier-1/2 banks on risk modeling
Community banks (U.S.)
$2–3B SaaS opportunity
Expansion Roadmap
Market Risk, MaaS, Cloud Consumption
Competition
Legacy Players
(SAS, FICO, Moody's)
- slow
- costly
- opaque
Challenger AI Fintechs
fast but black-box → regulators won't accept
SPIN Advantages:
End-to-end automation
Embedded regulatory logic
Regulator-validated explainability
Cloud-native scalability
RISKROBOT 2.0 Platform
Go-To-Market - Direct + Partner GTM
Direct sales
into Tier-1/2 banks
(>$100M annual risk budgets)
Partners
Accenture, NVIDIA, PwC, McKinsey, Microsoft
as force multipliers → embed SPIN into
billion-$ programs
Sales Cycle:
Pilot: 2–4 months
Bank-wide license: 6–12 months
Renewal: Recurring ARR with low churn (regulatory stickiness)
Land-and-expand model: single portfolio pilot → bank-wide rollout
Traction & Pipeline
12
Banks Validated
Europe, U.S., APAC
20
Banks Pipeline
$10M ARR near-term
$80M
ARR Path
In <48 months
Engaged regulators + C-levels at Tier-1 banks
Business Model
B2B SaaS
high-margin, recurring ARR
License fees
tied to usage & model complexity
Add-ons
monitoring modules, onboarding, white-label licensing
MaaS (Modeling-as-a-Service): U.S. community banks (projected $50M ARR in 48 months)
Persistence – Our Edge
Banks told us it was impossible to automate credit risk governance.
Today, Tier-1 banks and global partners validate what was once dismissed.
We turned resistance into adoption momentum.
Team – Operators Who Lived the Pain
Leadership:
- Christos Tsotskas, CTO (PhD AI) – regulated AI systems expert
- George Petridis, CPO (ex-DeepMind, EIB) – regulator credibility
Advisors:
- Lars Rasmussen PhD (ex co-founder Google Maps)
- Juan Pujadas (ex-Wells Fargo Board, PwC Vice Chair)
- Former CRO at HSBC
Use of Funds – Raising $10M ($6M committed)
Commitments: Accenture Ventures + NJEDA Evergreen Fund +… = $6M
Why We Win
Infrastructure, not a feature
entrenched, impossible to rip out
Partners as force-multipliers
not dependencies
Regulatory moat
adoption forced by deadlines
Timing
banks must act now
We are building the default AI governanceinfrastructure for global banking
The Deal
Round: $10M
Committed: $6M (Accenture Ventures + NJEDA Evergreen Fund)
Open: $4M for lead + co-investors
Use of proceeds: U.S. expansion, Partner Training, product scaling
Ask: Lead investor to anchor final $4M and join board
infrastructure play with regulatory inevitability + strategic GTM
Winner McKinsey Challenge 2025
Transforming credit risk modelling for banks
A “picks and shovels” opportunity in the AI + finance gold rush
info@spin-analytics.com