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Example IRP projects
The International Risk Partnership was asked to help a credit bureau develop their organisational, business and product strategy for the introduction of positive credit reporting data into the market. Over two months IRP worked with the senior leadership team and board members to develop a set of strategies that would allow them to capitalise on the introduction of positive data.
IRP worked with a UK & European multi-national bank to review its application processing capabilities. The review included the comparison of in-house capabilities and systems compared to leading vendors. The review concluded by recommending a new best practice approach and way forward for application processing in a multi-county, multi-tenant environment.
IRP worked with the SME group of one of the big four banks in South Africa to review the Business Application Scoring environment. Identifying possible barriers and issues for implementation, as well quick win opportunities against longer term more strategic developments and key segments. The project included benchmarking against SME lending practices in other markets around the world.
The International Risk Partnership worked with a UK processor to develop, take to market and sell a new credit risk proposition for Internet Price Comparison Websites. IRP worked with the client from inception to the implementation of the first sale with one of the “big 4” UK websites.
IRP helped a newly appointed product manager for the commercial business at a credit bureau to develop a product strategy to overcome years of low investment. IRP recommended that the company focus on a trade data exchange to eliminate its over-reliance on the banking sector. This strategy was adopted and the credit bureau launched a new suite of products which won 3 industry awards when it was launched just over a year later. It was voted Best new Product, Best e-business product and winner for Product Innovation.
A tier 1 bank in Africa requested IRP Partners and Consultants to design a decisioning platform / blueprint, covering originations and customer level behaviour scoring, for implementation and rollout across 16 sub-saharan countries.
The International Risk Partnership worked closely with the board of a credit bureau to develop their first organisation structure for a Decisioning and Analytics business unit offering Advisory Services which is now growing in reputation and sales across Australasia.
The International Risk Partnership was appointed by the Ministry of Finance of one the major countries in the middle-east to run an RFP process for the selection of a credit bureau software supplier for a new federal Credit Bureau. IRP ran the RFP process in four months, recommending a preferred and reserve supplier with whom the ministry could undertake final negotiations.
IRP worked with a European multi-national bank to review the current data assets and related analytical processing. The objectives of the review were to identify potential development of the analytical data environment, identify a data model / solution vision and design, define the key business requirements and the critical success factors and recommend changes to the tool-set used if and where required.
The International Risk Partnership undertook a study of the potential markets for international expansion of a loan processor and prioritised these markets.
Reviewed the implementation of SAS based behaviour scoring solution at a tier 1 bank and designed the integration with the Strategy Manager environment.
The International Risk Partnership was asked to undertake technical due diligence on the potential acquisition of a internet based identity protection services provider, by a leading private equity company. Today the private equity company retains its ownership and has grown the company successfully to be an international player with major organisations.
The International Risk Partnership has helped a number of start-up payday lenders to establish their lending rules, AML procedures and risk policies.
IRP worked with a UK credit bureau to analyse their requirements for a decisioning platform and compare these against existing internal capabilities and external vendors. IRP executed a comparison of 10 solutions from both possible suppliers and competitors. IRP recommended 2 candidate suppliers for further consideration and in-depth review.
The International Risk Partnership undertook due diligence on the purchase of a Decision Analytics business in Australasia reviewing the companies capabilities, technology and fit.
As a key input to formulating a centralised IT strategy for a mid-tier bank with operations in 9 markets IRP performed an audit of all the software tools and applications used to run the business, including their quality and use over 100+ business functions.
IRP provided the interim CIO for a European multi-national bank over a two year period. This included the implementation of a large scale change programme centralising diverse operations and included infrastructure and operations, governance, financial transparency, core solutions, organisation and sourcing.
IRP developed the marketing collateral for the launch of positive data reporting in Australia delivering 20 fact sheets covering topics from compliance to the business advantage of positive data for lenders.
IRP acted as the subject matter experts defining the business requirements for a new national credit bureau in partnership with the pilot banks and the selected software suppliers. IRP also helped launch the new credit bureau at a conference run to which every bank, telco, utility and finance house attended.
The International Risk Partnership undertook a client survey for the largest Business Information provider in Germany, reviewing with their commercial clients to help identify the business requirements for a new product. The survey was sent out electronically and had over a 70% response rate. From IRP’s analysis our client was able to shape the product to target those clients that were most likely to take the product.