UNIQUE RATINGS AND SCORES (URS)

Get to know URS

About Us

At Unique Ratings and Credit Scores (URS), we are dedicated to providing comprehensive credit assessment and rating services to clients across Africa. With a team of experienced professionals and a commitment to excellence, we strive to deliver accurate and insightful evaluations that enable informed financial decisions. Learn more about our mission, values, and the expertise behind our services.

Company Background

Unique Ratings is a leading credit ratings agency based in Ghana and the United Kingdom, specialising in providing credit assessments and rating services tailored to African markets. Learn about our history, mission, and values, driving our commitment to excellence in credit assessment for African markets.

Our Mission

At Unique Ratings, our mission is to promote financial stability, transparency, and access to capital in Africa by providing accurate, timely, and actionable credit ratings and research. We are committed to supporting economic growth and development across the continent by empowering investors, issuers, and policymakers with trusted credit insights

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white and black nike logo
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purple Freedom lighted freestanding letters on brown surface
About Our History
About Vincent Santeng

Unique Ratings and Credit Scores (URS) was founded with the vision of transforming the credit rating landscape in Africa. Recognising the unique economic, cultural, and market conditions across the continent, we set out to develop tailored credit assessment methodologies that accurately reflect the true potential of African entities. Over the years, we have built a reputation for our deep understanding of the African market and our commitment to delivering reliable and insightful credit ratings. Our journey has been marked by continuous growth and innovation, driven by a passion for supporting Africa's economic development.

Vincent Santeng is the founder of Unique Ratings and Credit Scores. He is recognised globally as a versatile expert with extensive experience across multiple disciplines. Vincent has provided advisory services to numerous countries, organisations, and individuals in the realms of ratings and credit scores. His expertise spans accountancy and audit, investment and commercial banking, risk management and compliance, financial product development, business and technology analysis, and project management. Highly esteemed by peers, Vincent is an acknowledged expert in Basel Accord implementation and regularly conducts training in compliance and risk management for financial market participants. He is also renowned for developing financial market software solutions and accounting software solutions.

Our People and Culture

Team

Our team consists of experienced professionals with expertise in credit assessment and a deep knowledge of African markets. Meet our team of experts with extensive experience in credit assessment and a deep understanding of African economies and industries.

Unique Approach

Discover how our unique approach to credit assessment, combining local insights and international best practices, sets us apart in the industry. At Unique Ratings, we take a customer-centric approach, leveraging local insights and international best practices to deliver personalised credit solutions for our clients in Africa.

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Dream Big text

Our vision is to be the leading credit rating agency in Africa, recognised for our deep understanding of the continent’s economic landscape and our innovative approach to credit assessment. We aspire to create a financial environment where African entities can thrive and access global capital markets on equitable terms. By leveraging advanced methodologies and local expertise, we aim to set new benchmarks in the industry and contribute to the sustainable development of Africa’s financial ecosystems.

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close-up photo of assorted coins

At the heart of Unique Ratings are our core values: integrity, excellence, innovation, and inclusivity. Integrity guides us to act ethically and transparently in all our dealings. Excellence drives us to deliver the highest quality services and continually improve our methodologies. Innovation encourages us to adopt and develop cutting-edge technologies and practices that enhance our credit assessments. Inclusivity ensures that we consider the diverse economic contexts and cultural nuances of African markets, providing fair and equitable ratings for all entities.

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rectangular brown wooden table

Our team is comprised of dedicated professionals with extensive experience in credit rating, financial analysis, and African markets. We pride ourselves on our local knowledge and global perspective, which enables us to provide nuanced and accurate assessments. Our experts work collaboratively, bringing together diverse skills and insights to address the unique challenges and opportunities in Africa. With a strong commitment to professional growth and continuous learning, our team is always at the forefront of industry developments, ensuring that we deliver the best possible service to our clients.

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white and black samsung signage

At Unique Ratings, we offer bespoke credit assessment solutions tailored for the African market. Our services include credit ratings for sovereign nations, organisations, and financial instruments, as well as individual credit scores. We understand the unique challenges faced by African entities and utilise methodologies that accurately capture their creditworthiness. Our services are designed to support economic growth, facilitate access to capital, and promote financial stability across the continent. By providing clear and comprehensive credit assessments, we help our clients make informed financial decisions and achieve their goals.

Our Services
Our Team
Our Values
Our Vision
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woman and man sitting in front of monitor

The Credit Analysis Team at Unique Ratings and Scores is the backbone of our operations, responsible for evaluating the creditworthiness of various entities, including businesses, governments, and financial instruments. This team comprises skilled analysts with extensive experience in financial analysis, risk assessment, and market research. They utilise advanced analytical tools and methodologies to scrutinise financial statements, market conditions, and economic indicators, ensuring that our credit ratings are accurate, reliable, and reflective of the unique African context. By thoroughly understanding the financial health and credit risk of each entity, the Credit Analysis Team provides crucial insights that inform investment decisions and promote financial stability.

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five men riding row boat

Our Research and Development (R&D) Team plays a pivotal role in keeping Unique Ratings at the forefront of the credit rating industry. This team is dedicated to innovation and continuous improvement, developing new methodologies and refining existing ones to better suit the dynamic African markets. The R&D team conducts in-depth research on economic trends, industry developments, and regulatory changes, ensuring that our credit assessment models are up-to-date and robust. By integrating cutting-edge technology and data analytics, the R&D team enhances the accuracy and efficiency of our credit rating processes, enabling us to provide clients with timely and insightful information.

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two police officers standing on the side of a road

The Compliance and Regulatory Affairs Team ensures that Unique Ratings adheres to all relevant laws, regulations, and industry standards. This team is responsible for maintaining our credibility and trustworthiness by overseeing compliance with local and international regulations, including data protection laws and financial regulations. They work closely with regulatory bodies, staying informed about regulatory changes and ensuring that our practices remain compliant. The team also educates other departments about regulatory requirements and best practices, fostering a culture of compliance and ethical conduct throughout the organisation.

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group of people sitting beside rectangular wooden table with laptops

The Client Relations and Support Team is dedicated to building and maintaining strong relationships with our clients. This team acts as the primary point of contact for clients, addressing their needs, answering queries, and providing support throughout the credit rating process. They ensure that clients understand our methodologies, reports, and ratings, offering personalised assistance and guidance. By prioritising client satisfaction and engagement, the Client Relations and Support Team helps Unique Ratings deliver exceptional service and value, fostering long-term partnerships and enhancing our reputation in the market. Their proactive approach ensures that clients receive the support they need to make informed financial decisions and achieve their goals.

Client Relations and Support Team
Compliance and Regulatory Affairs Team
Research and Development (R&D) Team
Credit Analysis Team

At Unique Ratings and Scores, our success is built on the expertise and dedication of our core teams. Each team is comprised of highly skilled professionals with a deep understanding of the African market and a commitment to excellence. Our Credit Analysis Team meticulously evaluates the financial health and credit risk of various entities, providing accurate and reliable credit ratings. The Research and Development Team drives innovation, continuously enhancing our methodologies to ensure they are robust and relevant. The Compliance and Regulatory Affairs Team safeguards our adherence to legal and regulatory standards, ensuring our operations are ethical and credible. Lastly, our Client Relations and Support Team prioritises client satisfaction, offering personalised assistance and fostering strong relationships. Together, these teams embody our commitment to delivering exceptional credit assessment services tailored to the unique needs of the African market.

Our Core Teams of Experts