Case Studies & Our Work
Instead of simply saying what we do, we demonstrate the concrete journey: Challenge → Approach → Insight → Intervention → Outcome.
Portfolio Performance Diagnostic
Leading Zambian Financial Institution • Confidential Client Engagement
A financial institution experiencing deterioration in portfolio quality required an independent assessment of the underlying drivers.
Conducted a full-scope multi-dimensional diagnostic across loan underwriting standards, vintage default curves, sales channel mix, and collection workflows.
Discovered that portfolio losses were heavily concentrated in 2 aggressive sales channels with misaligned origination incentives and weak early warning triggers.
Redesigned credit underwriting scorecards, established strict channel risk limits, and implemented automated early-warning MIS dashboards for executive oversight.
Achieved a 32% reduction in early-stage delinquency within 6 months, restored portfolio stability, and strengthened board risk oversight.
Branch Network & Omnichannel Distribution Turnaround
Regional Commercial Bank • Zambia Operations
Stagnant deposit mobilization and escalating cost-to-income ratio across secondary province branch networks.
Analyzed footfall economics, account activity profiles, sales-force capacity, and digital transaction substitution potential.
Over 65% of branch counter time was consumed by zero-margin cash deposits that could be redirected to agency and mobile channels.
Rightsized branch footprints into advisory hubs, migrated routine cash transactions to agent networks, and retrained staff into relationship managers.
Reduced operating costs by 24%, increased SME loan originations by 40%, and achieved record customer satisfaction ratings.
Agribusiness Debt Restructuring & Green Facility Readiness
Commercial Agribusiness Enterprise • Central Zambia
Severe working capital pressure resulting from foreign exchange fluctuations, power shortages, and unhedged loan repayments.
Constructed dynamic multi-currency cash flow models and evaluated climate-resilient solar irrigation investments for DFI funding.
The underlying enterprise was operationally profitable, but capital debt structure mismatched biological harvest and export revenue cycles.
Led restructuring negotiations with commercial bank consortium and structured an ESG-compliant green facility application.
Successfully refinanced debt tenure by 5 years, secured concessional solar grant funding, and restored working capital stability.