Services

Andafin helps you build your financial institution’s capabilities and use the power of data to reach the next billion customers. Step-by-step, we utilize a broad range of expertise to help our clients succeed: building a strong data foundation, improving operational decision-making, uncovering strategic insights, and helping to drive growth.

Building the foundation: Data services

Data foundations: Data Foundations: Our data team collaborates with your financial institution to organize and export data into Andafin’s financial services data engine. Along the way, we assess data quality and recommend improvements to ensure the highest possible “return on data.”

This process often reveals whether your core banking system can support future growth. We can help you evaluate system changes from a data quality perspective, seamlessly integrating data from multiple legacy sources for solid analysis. Our guidance prepares you for any needed core system enhancement and ensures that analytics remain reliable throughout the transition.

Running the trains on time: Operational services

With the foundation of data collection and analysis tools in place, we offer a variety of services to help senior management and field staff manage day-to-day operations.

Operational analytics subscriptions/dashboards may include:

• Clear, concise view of operations for each level of management
• Operational alerts to focus managers’ attention on performance outliers
• Branch-level profitability ratios
• KPI tracking and loan officer performance (often an input to incentive plans)
• Policy compliance monitoring

Credit decision analytics offerings include:

• Cross-reference portfolio performance with credit bureau data
• Credit scoring model upgrade
• Advanced credit model

Charting the course: Strategic services

From Insight to Action: Even the best data analysis delivers results only if leaders use it to make informed decisions. Our consultants partner with your senior leadership to identify opportunities, guide strategic choices, and drive meaningful action.

Data-backed consulting services

• Strategy development: Using our data analysis and feedback from field staff and customers, we help you refine or build a strategic plan aligned with your growth objectives.
• Optimization: We advise on how to optimize both cost of capital and portfolio distribution across branches and by products, as well as identifying areas where processes may be unnecessary, inefficient, or absent.
• Product development, client targeting and market entry: Growing financial institutions benefit from our services leveraging data to make decisions about product and client targeting as well as new opportunities.
• The women’s market: Women are often underserved in many markets. We help you capture better sex-disaggregated data and tap into the significant potential of women customers.
• Business restructuring and cost control: For clients with robust financial data, we cross-reference portfolio and expense data to streamline operations, reduce costs, and enhance overall efficiency.

Much of our advisory work can be performed remotely—saving you time and money—while reserving on-site visits for critical in-person discussions and engagements.

Strategic analytics subscriptions/dashboards

Andafin’s strategic reporting services keep senior management up-to-date on the latest portfolio developments, at an appropriate level of detail and focus. Along with helping the management understand customer segment and product performance in risk and revenue terms, we can track segment profitability and customer lifetime value to better inform strategic decisions.

Catalyzing growth: Investment support services

Growing financial institutions require increasing capital. Our services can help financial institutions to attract and retain debt and equity financing, and give investors deeper insights into their investments:

• Portfolio valuation uses our transaction-level analysis and profitability metrics to calculate the fair value and forecasted valuation trend of a loan portfolio or tranche of securitized loans.
• Portfolio monitoring keeps investors informed of ongoing portfolio quality, and flags opportunities to make improvements.
• Covenant monitoring applies specific rules found in securitization covenants, and reports when compliance is maintained or there is a danger of breach of covenant.