Services for Banking industry

Banking has traditionally been one of the sectors that define the economic stability of a country.

It is one of those industries where the business decisions can be done based on scientifically derived insights from the ecosystem in which it operates.

Sutra brings its expertise to its clients that it has accumulated by serving multiple banks across the globe on diverse business problems. It enables its team to bring world class solutions while being very pragmatic about the business environment that a particular bank operates in.

Strategy

Developing a go-to market strategy, expand into new geographies, segments, start a new business division.

  • Growth Strategy
  • Go To Market Strategy
  • New BU / Division

Risk Management

Maximizing return on capital through risk based strategies, effective capital management or implementing best practices for Basel compliance.

Sound risk management forms the cornerstone of any sustainable banking business. With the ever changing business environment, it is imperative for the banking organization to better assess the risk and its impact on the business sustainability. Experience from organizations like Lehman Brothers suggests that misreading of risk management can result in the demise of organizations that have withstood the test of time.

Sutra Management’s through its team of risk management experts, assists organizations in building a sophisticated risk management system, yet firmly grounded on sound business basics. We go an extra mile in demystifying the complex nature of risk that a bank is exposed to, so that it understands and manages risks effectively, rather than using a few black box models that can only be understood by a few people only. Areas where we help our clients are:

Enterprise-wide Risk

Assessing, measuring and managing enterprise wide risk.

Developing sound risk measurement system

With Basel implementation, banks in emerging markets have started to appreciate the importance of sound risk measurement system. Though it is still focused on getting system implementation that is Basel compliant, rather than a sound risk measurement approach that emanates from the risk that the business is undertaking. Our team of experts works closely with the business in advising our clients in developing the right risk framework for (a) defining the right risk segments for creating pool of assets (b) effectively measuring its constituents – Probability of Default (PD), Exposure at Default (EAD) and Loss Given Default (LGD).

  • Credit Risk – Banks have traditionally been playing the role of a financial intermediary by accepting deposits and lending that to the ones who need the money. Risk intermediation happens to be a part of the business model. Banks – esp. in the emerging markets, face a challenge of managing this through risk avoidance rather than managing risk effectively. We help our banking clients in effective risk management by handholding them through a three staged program
  • Market Risk
  • Operational Risk

Risk-based Strategy for Customer Lifecycle Management

Armed with sound risk measurement system, we assist the banks in developing robust risk management strategies that use insights of calibrated risk measurement along with understanding of business and portfolio opportunities to assist business in deriving higher customer value. These get manifested in specific revenue maximization or profit maximization strategies through the customer lifecycle management of:

Customer Acquisition Account Management Collections – Developing an effective collection program that provides differential treatment to different risk category of customers, thereby resulting in better collection efficiency, lower operational costs and higher customer satisfaction.

Portfolio Management

The cost of risk is an important element in ascertaining customer’s lifetime value. A bank that uses sound risk measurement can effectively understand the value that various segments of customers bring to the bank. This enables the bank in maximizing its Risk-adjusted return on capital while the bank can continue to pursue aggressive growth strategies.

Economic Capital Management

Business solutions

Dashboard Risk Data Mart Decision Engine for Credit Underwriting Process Collections Programs

Sales and Marketing

Maximizing customer value by providing world class experience and offering right product or service offering through right channel.

  • Customer Lifecycle Management
  • Customer Experience Management
  • Enhancing Media Effectiveness
  • Sales Force Effectiveness
  • Sales and Distribution Strategy
  • Multi Channel Sales and Service Strategy
  • Campaign management
  • Promotional Optimization
  • Business Solutions:
    • Data Management
    • CLM Datamart
    • Customer Lifetime Value
    • Campaign Management Tool
    • New Product Design
    • Marketing/ Product Dashboards

Finance

Developing effective cost management programs, conducting budgeting exercises for better financial management.

  • Conducting Budgeting Exercise
  • Cost Management Programs
  • Developing Customer Profitability Models
  • Dashboards

Organizational Effectiveness

Improving organizational structures and the process for improving the effectiveness of the organization.

  • Organizational Redesign
  • Process Redesign for improving Organizational Performance
  • Optimizing Campaign Management Office

Business Solutions

We design a set of solutions that provide a strong foundation to various business initiatives.

  • Risk:
    • Dashboard
    • Risk data mart
    • Decision engine for credit underwriting process
    • Collections programs
  • Sales and Marketing:
    • Data management
    • CLM Data mart
    • Customer Lifetime Value
    • Campaign management tool
    • New product design
    • Marketing/ Product Dashboards
  • Finance:
    • Dashboards
  • Organizational effectiveness:
    • Efficiency monitoring tool