Credit Risk Advisory
Obligor and portfolio credit assessment, limit frameworks, and underwriting discipline for lenders, funds, and corporates extending trade credit.
Clear judgment on credit, capital, and the path between them.
ALWAYA works with management teams, boards, and investors on credit risk, working capital, and receivables strategy — grounded in fifteen years of underwriting across global banks and fintech.
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Practice Areas
What we advise on
01
02
Working Capital & Receivables Strategy
Payment-terms architecture, receivables and payables finance evaluation, and supplier-stability analysis for buyers and their finance partners.
03
Cross-Border Structuring
Program and entity structuring across the US, Canada, the UK, and Australia — jurisdiction eligibility, documentation, and counterparty risk.
04
Board & Investor Advisory
Independent perspective for boards and investors evaluating credit-sensitive businesses, supply chain finance exposure, and dilution risk.
Approach
How the work gets done
Evidence before opinion
Every engagement starts with primary filings, disclosures, and data — not assumptions. Conclusions are earned, not asserted.
Plain language
Analysis is written so a board member, an operator, and a lender read the same document and reach the same understanding.
Independence
No product to sell and no balance sheet to fill. The advice stands on its own, and so does the fee.
Principal
Sabeen Ahmed
Founder & Managing Principal
Sabeen Ahmed has spent more than fifteen years in global commercial finance, spanning credit risk, cross-border structuring, and receivables finance, with senior roles across banking and fintech including TD Canada Trust, Scotiabank, and Alibaba.
Her research on supply chain finance and dilution risk has been published in peer-reviewed academic literature in collaboration with university partners in the US and Europe.
CMA — McGill University
M.S. Finance — George Washington University
Fairfax County, Virginia
Contact
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Engagements typically begin with a short scoping call. Reach out directly or use the form.
Fairfax County, Virginia