Credit origination

Business Case

Improve the credit origination set-up of a retail bank.

Goals:

• increase credit production while maintaining risk control
• reduce operating costs by digitizing processes
• improve commercial and risk management indicators by simplifying and focusing on key metrics

Kt consulting carries out a diagnosis by combining Lean 6 Sigma methodology and a complete analysis of the economic performance of your setup and credit policy.

We integrate or provide key metrics in collaboration with your sales and finance department (NBI dashboards, customer RoE, scoring / rating, etc.). We focus on weaknesses to facilitate the work of your teams. We coordinate all the work in cooperation with your businesses (sales, back-office, risk, compliance in particular) and organize governance and the decision-making process with your management board.

We assist you in the digitalization of your process, from customer request to disbursement by integrating your IT teams and our digital partners if necessary. We support you on the deployment of validated changes and ensure the achievments of the objectives. We support you in adjusting your setup in line with the analysis performed.