Aspect Advisory

Strategic partnership with Agricultural Cooperative

Overview

An exciting partnership that allowed Aspect advisory to offer strategic and technical assistance to a South African agricultural cooperative on the premise of expansion. The cooperative landed a lucrative facility with an international DFI that warranted that it revamps its existing infrastructure, in particular, it’s credit and risk management policies, credit process and associated models, gap analysis and optimisation of management process and atomisation of their loan management system.

Solution

An exciting partnership that allowed Aspect advisory to offer strategic and technical assistance to a South African agricultural cooperative on the premise of expansion. The cooperative landed a lucrative facility with an international DFI that warranted that it revamps its existing infrastructure, in particular, it’s credit and risk management policies, credit process and associated models, gap analysis and optimisation of management process and atomisation of their loan management system.

Result

  • Updated credit policy, asset and liabilities policy, NPLs and write-offs policies
  • Enhanced risk rating tool and loan asset pricing tool
  • Acquisition of world-class loan management system with customised asset and liabilities management
  • Process map of credit application process

Business Area

  • Strategy, project management, mergers and acquisition

Skill sets

  •  Project management, model development

Insights

This has been a very eye-opening project giving insight into how a successful cooperative operates. The acquisition of the loan management system allowed us to benchmark and rank the best loan management system providers along with a rich pool of pricing, an asset for future engagements with similar projects. Development of first-generation models with limited data allowed for an innovative approach to modelling where we incorporated the analytical hierarchy process to weigh scorecard model criteria.