Design a comprehensive organisation governance structure to align with regulatory requirements and industry best practices.
Define board and management level committees with clear elaboration of their terms of reference including roles and responsibilities of the members.
Design the risk organization structure commensurate with the complexity of operations.
Ensure that the structure promotes objectivity and prevents conflicts of interest by clearly delineating roles and responsibilities.
Develop performance evaluation frameworks for the Board and its committees and assisting in the preparation of Board meeting agendas.
Establish frameworks for the regular reporting of key metrics and performance indicators to the Board and senior management, ensuring enhanced oversight and informed decision-making.

Design Enterprise-Wide Risk Management Framework and Internal Capital Adequacy Assessment Process.
Develop policies across business segments – Wholesale, SME and retail, including credit policy.
Develop comprehensive SOPs for key business processes over the entire credit life cycle – origination / underwriting / post disbursement monitoring / Early Warning / Rehabilitation / Recovery, aligned with regulatory requirements and best practices.
Evaluate policies against current regulatory requirements and industry best practices and provide recommendations for policy revisions to ensure alignment with regulatory guidelines and organizational objectives

Business risk analysis with a strategic lens, identifying potential threats to your objectives and providing tailored solutions to enhance resilience and drive growth.
Develop an Internal Capital Adequacy Assessment Process (ICAAP) framework including all Pillar 1 and Pillar 2 risks and ensure compliance with regulatory guidelines and industry best practices.
Assist in designing and conducting stress tests and scenario analyses and integrating results into the ICAAP framework for capital planning and risk management.
Liquidity risk advisory services to focus on regulatory compliance and Basel framework adherence, while also ensuring that you manage cash flow effectively and safeguard against financial instability.
Develop models for the computation of expected credit loss (ECL) in line with IFRS 9 requirements.
Comprehensive assessments of operational risks, including business continuity planning, to ensure that the organization can withstand disruptions and maintain critical functions.
Establish data management processes to support ECL computation.
Implement reporting mechanisms for timely and accurate ECL disclosures

Design and assistance in implementation of Early Warning Systems
Development of Policy for Board approval, Design of the EWS Framework, Determination of triggers for EWS Alerts
Process for examination of EWS alerts
Assistance in identification and evaluation of vendors for the early warning system
Design of the scope for the Data Analytics and Market Intelligence (MI) Unit
Monitoring performance of identified borrower companies across industries
Perform Red / Amber / Green analysis on borrower companies basis performance metrics including credit and valuations.
Establish portfolio monitoring and reporting mechanisms for ongoing risk management.

Evaluation of financial performance including examination of financial statements and key performance metrics to understand the financial health of the business.
Assessment of scalability of business plan: Market and competitive landscape involving analysis of target market, key trends, potential risks, competitive landscape.
Identification of potential risks (credit, market, operational) and assessment of mitigating strategies.
Assessment of Risk Return metrics of the business.
Assessment of the leadership team, their experience, and capabilities to drive the company’s success.

Development / Assessment of:

Business origination models for retail business
Credit Evaluation Model , Collections Model
Behavioural Scorecards , Disbursement cohorts analytics
Delinquency analytics , Predictive default rates / Expected Loss
Existing data models validation / assessment
Robustness of risk assessment of loan application
Profitability Analysis for various products / business lines / relationship teams
Data Integrity

Achieve financial brilliance: collaborate with our experts for success

What they say

Stories told by those we’ve advised