Independent Fintech Advisor: Lending, Risk & Operations.
For banks, lenders, payment companies, founders and investors. Start with a defined problem and agree tangible deliverables before work begins.
Explore engagements ↓Lending Business Diagnostic.
Origination growth does not explain business performance. Product, risk, funding and operations need to be assessed together.
Deliverables.
- Per-loan economics and key assumptions
- Gaps across product, risk and operations
- Prioritised validation and decision plan
Planning estimate: 1–2 weeks after agreed inputs are available.
Decide which assumptions to test before investing in growth.
Discuss this engagement ↗Credit products ↗Credit Portfolio Review.
Portfolio performance diverges from the plan while aggregate metrics obscure differences between cohorts.
Deliverables.
- Metric definitions and comparability review
- FPD, PAR, NPL and vintage analysis where data supports it
- Segment, decision-policy and monitoring hypotheses
Planning estimate: 2–3 weeks, depending on data quality and portfolio history.
Separate changes in origination mix from changes in risk performance.
Discuss this engagement ↗Credit products ↗Product & Risk Review.
Pricing, limits, approval rules and the customer journey are being changed independently.
Deliverables.
- Customer journey and decision map
- Product terms and segment economics review
- Pilot measures and stop criteria
Planning estimate: 1–2 weeks for one product.
Agree pilot criteria before scaling.
Discuss this engagement ↗Credit products ↗Fintech Product & Operational Due Diligence.
The deck and financial statements do not explain how the lending business operates.
Deliverables.
- Product and operational risk findings
- Seller questions and critical dependencies
- Post-transaction action priorities
Planning estimate: 2–4 weeks after data access is agreed.
Understand execution and operating-model risks before the investment decision.
Discuss this engagement ↗Product & Operational DD ↗Fintech Market Entry Review.
The home-market model has not been tested against local data, distribution and partners.
Deliverables.
- Target-segment product hypothesis
- Data, partner, assumption and constraint map
- Limited pilot plan
Planning estimate: 3–4 weeks for one market and product.
Define launch criteria before committing major platform investment.
Discuss this engagement ↗New market entry ↗Payment Operations Review.
Funds flow, data, reconciliation and exception handling need to be aligned.
Deliverables.
- Funds and data flow map
- Partner responsibilities, reconciliation and exceptions
- Integration requirements and pilot readiness criteria
Planning estimate: 2–3 weeks for an agreed payment flow.
Clarify ownership and controls at partner handoffs.
Discuss this engagement ↗Payment infrastructure ↗How an engagement starts.
Application.
Share the product, market, decision and timing. Customer data and confidential extracts are not needed yet.
Discovery.
Clarify the decision, available inputs and stakeholders.
Proposal.
Agree scope, deliverables, fee and timeline before starting.
The timings above are planning estimates, subject to data and team availability. Scope and timing are agreed for each engagement. Reviews do not replace financial audits, business valuations, legal opinions or AML/CFT functions. Financial outcomes are not guaranteed.
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