A focused
risk and capital
advisory firm
Helping financial institutions, investment firms, and fintechs make structured, data-driven decisions.
Who we are
Pointwise Advisory works with financial institutions and investment firms at the points where risk, capital, and business decisions intersect — and where the quality of the analysis directly affects the outcome.
Our work spans portfolio risk analytics, model development and validation, and capital and regulatory frameworks. What connects these areas is not just technical expertise but a consistent approach: building frameworks that are not only compliant, but transparent, explainable, and operationally sustainable.
We work directly with the people responsible for these decisions — risk officers, CFOs, portfolio managers, and regulators — and we stay engaged through implementation, not just delivery.
What we stand for
Risk and capital work is only valuable if it connects to real decisions. A model that satisfies a regulator but cannot be explained by the team using it has not solved the problem — it has deferred it.
We believe the best frameworks are built at the intersection of regulatory rigour and commercial reality. That means understanding not just what the rules require, but what the institution actually needs to do with the output — and designing accordingly.
We also believe that proportionality matters. Not every institution needs the same solution, and part of our job is knowing the difference between what is necessary and what is excessive.
Our clients
We typically work with institutions at a specific inflection point — a regulatory review that requires a credible model framework, a portfolio under stress that needs clearer risk visibility, a capital position that has to be defended to a supervisor, or a model that has outgrown its original design and needs rebuilding.
Our clients are banks, investment firms, asset managers, and fintechs who need analysis that is rigorous enough to withstand regulatory scrutiny and practical enough to inform real business decisions. They are not looking for a report. They are looking for a framework they can use, explain, and build on.
If you are navigating one of these moments, we would like to hear from you.
Elvina Frolova is a credit and portfolio risk professional with over ten years of experience across global banking institutions and Big Four consulting firms in Europe and the Middle East.
At Pointwise Advisory, she focuses on credit risk, capital optimisation, and risk framework design, helping financial institutions translate complex risk challenges into structured, data-driven decisions. Her expertise spans IFRS 9 / ECL, Basel and ICAAP frameworks, IRB modelling, model risk management, and portfolio analytics. She has a strong track record in scenario analysis, stress testing and regulatory engagement across retail, corporate, and investment portfolios, supporting institutions in navigating evolving market and supervisory expectations.
Elvina holds an MSc in Mathematical Economics and Econometrics from Université Paris 1 Panthéon-Sorbonne.