Avalon Group Advisors, LLC is a boutique consulting practice that provides credit and risk management services and solutions to the consumer and small business financial services industry.The Avalon team has been at the forefront of credit policy formulation and profit-based analytics for over 35 years. Our clients are diverse and have included the largest and most sophisticated consumer and small business lenders in the U.S. along with small startup and entrepreneurial ventures. While our international practice is smaller, the team's engagements served clients in Europe, Latin America, Asia and Africa. Our assignments are both strategic and tactical, cover virtually all consumer finance products and span the full portfolio life-cycle including new account acquisition, underwriting, exposure management and collection.