Four Service Offerings
1. Institution Analysis
An in-depth, rigorous, methodic and data-driven approach to identifying business issues, improvement opportunities, assessing value propositions — and providing professional advice and support for implementing the transformative change the client is seeking.
These outcomes will be delivered:
- Assessment of the underperforming institution and strategic support for P&L turnaround — covering governance structure, strategic planning, market competitiveness, internal culture, operational and financial performance, loan portfolio quality, risk management systems, HR capacity, and organizational set-up.
- Support, quality assurance, and capacity building during implementation phase of action plans.
- Market and competition analysis: regional/local macro-environments, political and regulatory environment, market saturation, product and price competitiveness, brand presence, SWOT analysis.
- Development of recommendations and action plans.
- Equity valuation.
- Research report on the institution's creditworthiness (for lenders).
2. Full-fledged Institution Management
The Bank or MFI owner concludes a Management Services Agreement (MSA) with impactiive®. At request of the Bank or MFI, every management decision and responsibility remain with impactiive®. An action plan and deliverables are agreed with the client beforehand — ideally following an Institutional Analysis assessment.
Delivery is onsite, with 1–3 executives running the operation as needed. Representation at Board and Audit Committees is optimal.
Potential clients include:
- Banks or MFI owners unfamiliar with, or lacking expertise in, Bank or MFI management.
- Bank or MFI startups with foundational infrastructure, but in need of strategic and best-practice buildout support for the next phase of growth.
- Creditors of a Bank or MFI engaged in a work-out or restructuring situation.
- Existing management turnaround — C-suite support to correct financial and/or operational issues requiring immediate governance and control.
3. Executive Secondment, Coaching & Support
impactiive® supports and coaches management teams during periods of important change. Support programs take the shape of backstops, permanent advisory channels, short-term secondment of one or more executive roles, and monitoring progress — in close cooperation with the customer.
Membership in corporate governance bodies (Board, Audit Committee) will be required for MSA agreements of not less than one year.
Potential projects include:
- CFO as a Service (CFOaaS)
- Portfolio quality transformation
- Efficiency programs
- Rapid market expansions
- Institutional merger, acquisition, or exit preparation (IPO or sale)
- Rightsizing and operational turnaround
- Lender relationship management
4. Project Management & Organization Transformation
impactiive® assists financial institutions in executing projects and transformation initiatives, upon client request or arising through delivery of Institutional Analysis assessments, Full-fledged Management support, and Executive Secondments.
Potential projects include:
- Large-scale organization transformation: MFI to Bank, greenfield MFI or Bank launch, new IT systems implementation
- Assessment of skills gaps and bridging those gaps
- Strengthening internal controls and risk management environment
- Developing work plans to incorporate a risk management framework
- New product development, implementation, and rollout
- Funding and treasury management
- Delivery channel optimization
- Strengthening in-house training capacity (ToT) and HR best practices
- Strengthening corporate culture by fostering an environment that embraces change management