-
1,000+
diversified loan portfolio
-
10-15%
more client-facing time
-
10%
reduction in overdue
-
24-hour
turnaround of urgent spreads/ratings
CLIENT CHALLENGES
- Inadequate client-facing time for portfolio managers
- Fragmented processes across sectors and locations
- Silo approach leading to a lack of fungibility across sectors and locations
- Non-availability of front-office resources to handle ongoing project work
- No internal validation of covenants
OUR APPROACH
- We conducted a detailed white-boarding session to standardise the credit monitoring process across sectors
- Set up an offshore team withspecialisation in seven sectors (diversified, real estate, commodities, food and agriculture, TMTand healthcare, transport and logistics, and energy)
- Created covenant validation templates and conducted ongoing overdue monitoring; also integrated stress testing for internal validation of covenants
- Delivered quarterly reviews with conclusive credit opinions
- Established KPIs and SLAs, and continually tracked and reviewed these
- Formulated a customised training and rollout plan for automation projects with frequent feedback sessions
IMPACT DELIVERED
- Compiled detailed standard operating procedures to ensure compliance with credit policies and client processes
- Implemented effective solutions to manage higher volumes, adhoc projects and diverse workflow
- Delivered quick turnaround of spreads/rating (urgent requirements within 24hours) and regulatory reporting (e.g., RWA)
- Built an early-warning mechanism and MIS dashboards for proactive decision making
- Partnered with the front office for the successful execution of automation projects
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