Our team of risk management consultants delivers a complete range of services tailored to the specific needs of clients in both emerging and established markets.
External Assistance to Solve Business Challenges
At one time or another, specialist assistance is required to solve a business challenge. These types of challenges benefit from external experts who can provide solutions based on aggregated perspectives gained from the financial services industry.
Each of our risk management consultants has over twenty years of experience in the credit risk and analytics arenas. We have completed assignments at all all types of credit grantors, including banks, SMEs, retailers, digital lenders, micro-lenders, telcos and fintechs.
Originations Strategy Assessment
Our risk management consultants will engage with your originations team to fully understand your end-to-end credit granting process, with a specific focus on the following areas:
In order to validate your current originations strategies, and to identify opportunities for improvement, our risk management consultants will analyse historical application data, outcomes and performance. This analysis will be performed using your own data, to ensure complete alignment with your application base.
All strategic elements of your credit decisioning will be data validated to determine the impact on your business success.
The deliverable from the Originations Strategy Assessment is a detailed presentation, and we will make a minimum of 5-10 recommendations for improvements to your credit products originations strategies.
These recommendations will be backed up with outcomes from analysis to ensure that they will maximise the profitability of your credit products.
Recommendations will be structured such that they are implementable in a champion/challenger testing framework if these tools are available.
Focus on Business Objectives
Roadmap to Digitisation
Many lenders have one single significant barrier to business growth. The reliance on manual credit granting constrains significant expansion in the customer base and traps the business in high cost judgemental decisioning that operates at the whim of underwriting staff.
The Roadmap to Digitisation is focused on the following organisational objectives:
Increase application throughput to enable business scaling and growth
Reduce turnaround times to increase customer satisfaction
Make credit decisioning consistent and controllable by management
Improve credit portfolio quality and reduce bad debt
Our risk management consultants will work with your team to identify current processes, barriers to digitisation and opportunities to expand lending.
We will review credit assessment criteria, operational set-up, turnaround times and key performance indicators.
Our risk management consultants will identify opportunities for improvement and recommend solutions to challenges that are currently holding back your digitisation plans.
will identify opportunities for improvement and recommend solutions to challenges that are currently holding back your digitisation plans.
The deliverable from the Roadmap to Digitisation is a detailed report, presenting the current and future view of the credit assessment process. This will include solutions that will remove bottlenecks and drive consistency at each step in the process.
All recommendations will be prioritised based on their potential impact on the business and their ease of implementation.
Wide Range of Consulting Services
Other examples of risk management consulting services that we deliver include:
Collections Situation Analysis
Applications Processing Review
Credit Operations Audit
Risk Department Overview
Decisioning Strategy Design and Reviews
Interim Management Assignments
Flexible Engagements
All of our credit risk consulting engagements are delivered on a flexible basis, customised to your specific requirements. For each assignment, you can elect what the specific focus of the deliverables should be and for how long.
Assignments can be scheduled on a fixed-price or retainer basis and the key deliverable is to always deliver tangible business benefits, with a strong focus on common sense recommendations that will rapidly add to your profitability.
Why Clients Recommend Us
All of our credit risk consulting deliverables have one thing in common: practical solutions from experienced experts in the global credit industry. We will never “borrow your watch to tell you the time” nor will we produce endless academic reports with suggestions that can never be implemented.
Our credit risk consulting approach is to provide value and make common sense recommendations that are practical and can be implemented in the short to medium term.
This is why so many of our clients recommend ADEPT Decisions consultants.
What clients are saying
