Phos Professional Services
Expertise in Financial and Credit Risk Solutions
At Phos Professional Services, we specialize in providing expert financial management and credit risk solutions tailored to your business needs.
Our team of seasoned professionals brings a wealth of experience in IFRS9 accounting, technical support, credit risk modeling, and financial model validation. Whether you’re navigating complex accounting requirements or optimizing risk management strategies, we are here to support you every step of the way.

Our Expertise
At Phos, we offer a range of services to help businesses manage financial and credit risk challenges:
IFRS9 Accounting Support
Comprehensive support in navigating IFRS9 requirements, including financial reporting and technical accounting.
Credit Risk and Propensity Modeling
Expertise in developing and validating propensity models, scorecards, capital models, and IFRS9 models to help businesses manage their credit portfolios effectively.
Policy Gap Analysis
In-depth analysis of company policies related to credit, model risk and accounting, ensuring compliance and identifying areas for improvement.
Consulting
We provide expert advice on financial management and planning, tailored strategies to manage and mitigate credit risk, and assistance in creating and refining company policies to ensure compliance and efficiency
Technical Audit Support
Assistance with financial model validation and technical support during audits to ensure accuracy and regulatory compliance.
Learning & Development Programs
Customized training programs designed to enhance your team’s skills in accounting, credit risk, and financial management.
Meet the Directors
Our comprehensive suite of professional services caters to a diverse clientele, ranging from homeowners to commercial developers.
Joel – Accounting Director
With 8 years of post-articles experience, Joel specializes in IFRS9 accounting support, technical accounting, and financial management. His expertise helps businesses streamline financial reporting and compliance with the latest industry standards,


Molefi – Credit Risk Professional
With 9+ years of experience in the financial services industry, Molefi has worked at two of South Africa’s top six banks, a leading African insurer, and a Big Four consulting firm. He is highly skilled in credit risk modeling, financial model validation, and policy analysis, providing clients with expert guidance in managing risk.
“Bringing Clarity and Insight to Your Organization.”

We’re ready to assist with all your accounting and credit risk management needs. Feel free to reach out to us
📧 admin@phosprofessionals.co.za
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