About Us
Our mission is simple…
To help banks and firms clearly consider and solve challenging problems and to represent those ideas in faithful, reliable, and cost-effective ways with growth and sustainability in mind, while building the client’s institutional knowledge.
…and so are our methods.
We think before we calculate and always look for robust, simple, sustainable long-term solutions.
We are Elevating the Industry Standard.™
Our Philosophy & Practice
Spero Risk Associates solves seemingly complicated and nebulous modeling and analytical problems with vision, integrity, creativity, and practical, common sense.
We don’t justify our work by pointing to industry norms or saying, “others do it this way.” We’re not part of the herd—we lead. At SRA, we specialize in risk management, modeling, and loss forecasting, including CECL and stress testing. Our solutions are backed by objective evidence, and we clearly document any constraints that limit the implementation of even more optimal approaches.
Our methods are grounded in sound theory—not just statistical regularities. This foundation allows us to deliver solutions that are innovative, intuitive, and easy to explain and defend.
Vision is a function of both practical and technical experience. We see relationships clearly, and use our expertise to provide robust, long-term solutions that can be applied across portfolios or extended to multiple uses within the same portfolio, e.g., CECL and stress testing and ad hoc analysis. We emphasize reusability and reproducibility; we don’t waste your resources or time. We create value by creating long-term value for our clients.
Integrity and practicality define our team. We value simplicity over complexity—not as a shortcut, but as a sign of mastery. As Leonardo da Vinci said, “Simplicity is the ultimate sophistication.”
Compared to our competitors, we’re faster and more cost-effective. We don’t “mine” data—we apply economic theory. We believe in thinking before calculating, using common sense to guide us toward the best quantitative outcomes. A consultant’s solution should never be a mystery—to you or to them.
Modeling and analytical solutions are usually limited by available data, and that’s why both creativity and intellectual rigor are required to find the most representationally-faithful and reliable solutions.
Creativity produces alternative approaches and innovations, like useful corroborating evidence, when immediate statistical evidence is weak but similar relationships hold in other, related times, industries, or places–where data are more plentiful.
Intellectual rigor and honesty prevent the misapplication of methods, stupid conceptual errors, and silly, undefendable results from data mining.
Get In Touch
Have questions about our services or want to discuss how we can help your organization? Our team is ready to assist you.
Contact Us