Remediation of Consumer Loan Portfolio in Response to Economic Crisis

Challenge A leading bank was suffering unusually high levels of retail loan delinquency, which spiked above 20% during an economic downturn. Lending staff were rewarded on the basis of loan volume rather than quality while most loan underwriting and all collections were done solely at the branch with minimal audit.

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Comprehensive Analytics to Transform Balance Sheet Risk Management

Challenge A second-tier bank with a strong multichannel platform that was focused on the mid- to low-income retail and SME market enjoyed a decade of rapid growth during a buoyant economy. While the bank’s credit and market risk management capabilities successfully kept pace with its expansion, its efforts to manage interest rate risk, liquidity, and profitability resulted in divisionally siloed solutions: a clear vulnerability as it entered a more uncertain period for economic growth and interest rates.

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Design & Implementation of Omni-channel Digital Sales for Global Top 50 Bank

Challenge A market-leading bank with multiple business lines—including deposits, secured and unsecured credit, payments, investments, and insurance—had siloed digital channels that created an uneven customer experience and a poor sales environment. The bank aimed to improve efficiency, increase sales, and hold onto its market share vs. both traditional rivals and emerging fintech challengers.

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Digital Omni-Channel Transformation for a Global Top 50 Bank

Challenge A major international bank, with operations in 22 countries, needed to significantly improve customer experience and increase efficiency in order to maintain good profitability in a challenging revenue environment.

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