Business & Strategy Reviews

Independent reviews of clients’ Retail Bank business strategies and operational processes, drawing upon our expertise to identify potential areas for improvement.

Providing practical advice, guidance, hands-on design and review strategies across the Customer Life Cycle –originations, customer management, collection strategies and fraud management.

Target market and acquisition strategy design to maximize acquisition growth.
Customer and product profitability review and optimization, single account modelling, portfolio benchmarking.
Portfolio management strategy reviews (activation programs, x-sell, line increase/decrease and top up programs, customer retention initiatives)
Fraud strategy and infrastructure reviews, including application fraud, transaction monitoring, ATM security.
Strategic assessment of risk-based pricing decisions.
Collection portfolio reviews, collections strategy optimization, agency performance management.

Credit Risk Management

Covers the entire spectrum, including risk identification, risk assessment, and risk monitoring services.

Operational Risk Management

Review, recommendation and design of operational risk management framework including Risk Control Self Assessment (RCSA), Key Risk Indicators (KRI), Loss Data Management (LDM), as well as related policies and procedures.

Policy & Procedure Framework

Design Best-Practices-Based Credit Risk Mgt Framework

Optimization of Credit Bureau/Scoring Strategies

Review of Collateral Mgt Framework

Risk Monitoring &
Reporting

Review of Current Risk Reporting Suite
Design/Implement Reporting Templates
Establishment of Benchmarks/Guardrails inline with Risk Appetite

Risk Based Decisioning

Review of Return On Risk Capital Strategy
Design Risk Based Portfolio Strategy
Design Risk Based Pricing Strategy

Risk Governance Assessment

Review of Risk Mgt Structure & Effectiveness
Review of Risk Appetitive vs Business Strategy
Review of Risk Infrastructure

Risk Identification & Assessment

Analysis of Key Business
Processes/Grading of
Possible Operation
Risk Areas
Identification of Existing
Operational Risk
Controls & Assess
Adequacy
Enhancement of Control
Processes Over CriticalProcesses to Assist in
Risk Mitigation

Risk Monitoring & Measurement

Design of Process-Risk-
Control Library to-
Assist RCSA
Design Key Risk-
Indicator Monitoring-
Framework
Design of Processes to-
Create and Analyse-
Operational Loss-
Database

Risk Control & Mitigation

Conduct Enterprise
-Wide Control
Assessments
Define Corrective
Action Plans