Practice
Banking
Credit decisioning, pricing, treasury and finance integration rebuilt as governed, instrumented data products. Run by people who have priced and validated mortgage and unsecured books at Tier-1 South African banks. (Risk-management work has its own practice — see Risk Management.)
Who this is for
Heads of retail and corporate credit, treasury, finance, MI and product at banks and bank-adjacent businesses.
Where we help
Most of a bank's day-to-day decision systems still run on a patchwork of operational extracts and finance spreadsheets. Pricing engines and credit policy live in one set of tools; finance and MI live in another; treasury sits between the two. Reconciling them takes longer than the decisions they support, and most of that effort produces no defensible audit trail.
What we do
- Re-engineer credit decisioning and pricing pipelines as governed, versioned data and modelling products — separated from the back-office reporting that consumes them.
- Productionise treasury and ALM operational data flows — funding, cash forecasting, intercompany and behavioural inputs.
- Build the integration layer between core banking, finance and risk that most banks still cobble together each cycle.
- Modernise bank-specific MI: branch, product, segment and channel performance, traceable to source.
- Document data and model lineage to a standard that holds up under PRA / Prudential Authority review.
Outcomes
- Pricing and credit decisions that reconcile to finance and MI without manual stitching.
- A treasury and ALM data layer that the front office and finance both trust.
- Faster month- and quarter-end finance close on the bank side.
- Clear lineage from source transaction to disclosed number.
Engagement model
We typically start with a focused assessment of one decision pipeline — pricing, credit policy, treasury cash forecasting or finance close — and expand outward. Risk-management work (capital, IFRS 9, market and liquidity risk, MRM) is delivered through our Risk Management practice.