Significant Risk Transfer
Palisade delivers end-to-end SRT execution with committed insurer capacity, from analytics and structuring to documentation and monitoring, using streamlined processes to reduce friction and enhance transparency.
Credit Risk Transfer Specialist
Intelligent Credit and
Intelligent Credit and
Capital Relief Partners
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Structured solutions for portfolio risk, capital efficiency and growth.
Palisade helps banks and non-bank financial institutions manage credit portfolios more effectively through Significant Risk Transfer and Portfolio Credit Protection. Delivering targeted protection, disciplined structuring and efficient execution.
Portfolio overview
Reference portfolio remains within risk appetite
82%Eligible
11%Review
7%Excluded
Mandate-aligned selection
Actuarial-led portfolio screening supporting underwriting and sign-off.
Live risk monitoring
Real-time visibility on exposures, concentrations and counterparty risk.
Underwriting
Credit portfolio underwriting
Optimisation
Portfolio optimisation
Structuring
Flexible risk structuring
Execution
Delegated authority to execute
Monitoring
Lifecycle risk analytics
Significant Risk Transfer
Portfolio Credit Protection
Capital Relief
Structured Finance
SRT Portfolio Preparation
Credit Enhancement
Portfolio Selection
Tranche Optimisation
RWA Optimisation
Deal Economics
Credit Risk Transfer
Live Monitoring
Portfolio Surveillance
Credit Protection
Unfunded/Funded Protection
Committed Capacity
Repeatable Execution
What We Offer
Focused Solutions
Focused Solutions
Clear outcomes
A focused suite of credit portfolio protection solutions for institutions seeking capital relief, risk transfer, portfolio resilience - or a combination of all three.
Portfolio Credit Protection
Where securitisation is not the right fit, Palisade structures non-securitised portfolio credit protection, including insurance, guarantees and other bespoke risk-sharing structures. These solutions can help institutions protect against losses, manage concentrations, support lending capacity and strengthen portfolio resilience.
The Challenge
Where credit risk meets capital, concentration and complexity
Common Pain Points
01
Lending growth remains capital consumptive, particularly as portfolios scale.
02
Institutions require solutions that can manage credit portfolio exposures whilst optimising capital efficiency.
03
Traditional risk transfer solutions can be slow, complex and difficult to scale across repeat transactions.
Our Purpose
Enabling capital-efficient growth and stronger portfolio resilience
Palisade helps institutions pursue growth with greater capital efficiency and stronger portfolio protection.
By bringing together analytics, underwriting, structuring and execution, we deliver disciplined solutions that can improve regulatory capital outcomes and support better portfolio management.
Our approach is built to give originators a more repeatable route to credit portfolio solutions.
Significant Risk TransferPortfolio Credit ProtectionCapital ReliefStructured FinanceSRT Portfolio PreparationCredit EnhancementPortfolio SelectionPortfolio DeriskingTranche OptimisationRWA OptimisationDeal EconomicsCredit Risk TransferLive MonitoringPortfolio SurveillanceCredit ProtectionUnfunded/Funded ProtectionCommitted CapacityRepeatable Execution
We deliver structured credit portfolio protection that supports capital efficiency, risk management and resilient growth.
Credit Risk Transfer Platform
Meet Lucidity
Our platform built to make credit risk transfer clearer, faster and easier to manage
Lucidity brings analytics, structuring and monitoring into one clear workflow. Helping banks and insurers move from raw portfolio data to executed protection with greater clarity and control.
Our Ambition
Six principles behind our approach to SRT
We believe Significant Risk Transfer should be a more practical and efficiently deployed capital management tool. In a market where execution must satisfy structural, regulatory and economic tests, Palisade is designed to reduce unnecessary friction while preserving analytical rigour, transparency and deal discipline.
Lower the Cost Barriers to Entry
We reduce transaction cost by offering simpler mechanics, streamlined execution and tailored documentation.
Greater Market Access
Our end-to-end delivery service is designed to support first time issuers, as well as complimenting institutional players.
Reduce Time to Execution
We shorten the path from data to execution through disciplined workflow, clearer information and repeatable process design.
Standardised Structure
We use consistent structures, templates and analytical outputs to preserve core mechanisms without forcing one-size-fits-all execution.
Programmatic Approach
We design transactions to support programmatic issuance, generating incremental efficiencies.
Reduced Third Party Involvement
We simplify execution by bringing SRT analytical expertise combined with the authority to transact.
Why Palisade
Credit expertise, execution discipline & clearer risk transfer
Palisade operates at the intersection of bank objectives, insurer requirements and transaction execution. Combining specialist analytics with disciplined delivery to turn complex credit risk transfer into executable solutions.
Credit Expertise
We draw on decades of credit risk, actuarial and data science expertise gained in both bank and insurer contexts, allowing us to design solutions with a disciplined understanding of both sides of the transaction.
End-to-End Execution
From portfolio analysis and structuring through to documentation, binding and monitoring, Palisade manages the full process through one joined-up delivery model.
Transparent Risk Transfer
We give stakeholders the visibility needed to support sound risk management, stronger oversight and better-informed decisions throughout the life of a transaction.
Speak To Us
Speak to Our Team
Whether you are exploring Significant Risk Transfer or Portfolio Credit Protection, Palisade offers solutions designed to support your objectives.