Vision
To elevate business analytics and consulting through precise, high quality decision systems that create measurable impact on profitability, execution, and long term performance.
Visibility × Optimisation × Synergy
From data to sustainable growth.
Pencil Analytics builds monitoring and governance frameworks that support and enable businesses to protect their margins, improve sales quality, and react to business dynamics and market trends, while maintaining the right reserves and operational buffers for potential events so the business can sustain its flows and operations.
Who we are
Advisory analytics that moves beyond reports.
Pencil Analytics focuses on turning complex commercial, financial, operational, and insurance data into practical decision systems. Dashboards are one output. The real objective is stronger visibility, better governance, and faster coordinated action.
Mission
To simplify decision making, strengthen execution, and convert data into strategic advantage through technical expertise, commercial thinking, actuarial discipline, and automation.
Our standard
We believe perfection is a moving target. Every engagement should improve visibility, control, and speed of decision making.
Commercial, FMCG & Retail
Not only dashboards. A connected business performance ecosystem.
We design the operating layer between raw data and executive decisions: pricing tools, margin engines, forecasting models, promotion ROI, inventory and GMROI views, governance workflows, automated files, and management packs.
Pricing, Margin & Profitability Systems
Pricing engines, GP/L views, price mix effect, target price logic, discount discipline, and margin protection routines.
Sales & Commercial Performance
YTD, MTD, daily sales, customer growth, SKU mix, channel performance, target phasing, and sales execution packs.
Promotion ROI & Growth Monitor
Promotion planning, post evaluation, uplift, cannibalization, margin effect, execution gaps, and marketing impact tracking.
Inventory, Supply Chain & GMROI
Aged stock, days of sales, availability, fill rate, OTIF, overstock, slow movers, and GMROI based decision views.
Forecasting, Elasticity & Scenarios
Demand forecasts, price elasticity, what if simulations, budget outlook, monthly closing view, and intervention signals.
Financial Impact & ROI Models
P&L bridge, rebate impact, cost movement, capital impact, supplier performance, vendor tracking, and ROI/GMROI trackers.
Data Quality & Master File Readiness
Clean master files, SKU hierarchy, customer mapping, UoM conversions, naming standards, reconciliation, and refresh readiness.
Workflow Revamp & Automation
Approval routing, Excel, VBA, Python tools, controlled submissions, exception alerts, version control, and audit trail design.
Executive Packs & Monthly Advisory
Management reporting, action trackers, performance reviews, issue diagnosis, decision notes, and follow up cadence.
Insurance & Actuarial Analytics
Pricing adequacy, portfolio performance, and risk visibility.
We support insurers with practical actuarial and analytics work across premium, claims, loss ratio, pricing adequacy, claims development, reserving automation, risk segmentation, and executive portfolio monitoring.
Pricing & Underwriting Tools
Structured pricing tools for new and renewal business, burning cost logic, credibility views, scenario simulations, approval thresholds, and risk appetite controls.
Portfolio Performance Review
Premium, claims, loss ratio, growth, retention, profitability, segment mix, and action views for management and underwriting teams.
Actuarial Support & Automation
Frequency and severity analysis, exposure views, rate adequacy checks, monthly actuarial packs, and automated recurring actuarial calculations.
Claims Development & Reserving Models
Paid and incurred triangles, age to age factors, CDFs, ultimate claims, IBNR and IBNP views, and chain ladder workflow automation.
Risk Segmentation & Predictive Models
Machine learning and statistical methods for claim prediction, risk classification, pricing signals, and segment level profitability monitoring.
Sales Enablement & Executive Oversight
Pre underwriting views, sales funnel quality, unaccounted claims checks, aggregator competitiveness, governance thresholds, and executive portfolio packs.
Delivery model
We build the system, then make it part of the business rhythm.
The engagement is designed to leave the client with clearer definitions, stronger workflows, practical tools, and a repeatable operating cadence.
Discover
Map KPIs, data sources, pain points, commercial logic, stakeholders, and decision gaps.
Design
Define calculations, governance, user journeys, data model, approval structure, and reporting logic.
Build
Create tools, models, automations, workflows, dashboards, and executive outputs using real business data.
Scale
Harden refresh, version control, audit trails, security, documentation, handover, and user training.
Improve
Review impact, tune logic, adjust assumptions, and keep the solution aligned with changing business needs.