Wholesale credit and lending – policy simplification
The brief
Um banco de nível 1 nos contratou para ajudar a fornecer alterações de políticas em crédito e empréstimos por atacado-incluindo as políticas relacionadas a empréstimos transfronteiriços e renovações anuais. As políticas foram restritivas e excessivamente cautelosas, impactando assim a eficiência e a eficácia dos respectivos processos críticos. modelou o impacto de possíveis alterações de políticas, volumes de aplicação, risco e perdas esperadas. e tempo de caixa sem comprometer os padrões de risco do banco. As mudanças de política resultaram em uma melhoria de cinco a dez dias na decisão, beneficiando assim os clientes e as equipes voltadas para o cliente. A revisão política dobrou o número de revisões elegíveis, enquanto aperta certos critérios que eram preditores -chave da deterioração futura do crédito. Comece?
Our approach
We analysed the current policies and nuances across various regions, including the impact of the current policies on application volume, risk and expected credit losses. We produced descriptive analysis of the lending booked to inform proposed policy changes.
The team modelled the impact of potential policy changes, application volumes, risk and expected losses.
We also proposed updated policy criteria which maximises benefits and effectively manages risk.
The key findings and proposed policy revisions were presented in a white paper for approval at various committees.
The solution and key benefits
The Cross Border policy change had a material impact on time-to-decision and time-to-cash without compromising the bank’s risk standards. The policy changes resulted in an improvement of five to ten days in time-to-decision, thus benefiting both clients and client facing teams.
The Annual Renewals policy changes were a key enabler to rolling out a rapid renewal process which would cut annual review times in half. The policy revision doubled the number of reviews that were eligible, while tightening certain criteria which were key predictors of future credit deterioration.
