What do we do at Riskmate

RiskMate will be your caring partner to help build world-class Consumer Finance Operations.

Risk Mate is powered by industry veterans who have proven their mettle across functions in Fortune 100 financial institutions. We have directly managed P&Ls for multi- billion secured and unsecured asset portfolios spanning business transformation, risk control and analytic functions adding tangible value to customers, investors and other counterparts. We have been trusted corporate advisors and partners for top 10 bank & non-bank executive suites and their boards for 3 decades. Risk Mate offers - build, execute, operate, train and transfer capabilities across all these verticals for flexibility and long-term success. We have strategic partnerships across all these verticals; hence, we are a one-stop engagement solutions provider in financial services. We offer these services by customizing and catering to both established industry players and start-ups.

Our Services

Services we offer

Risk Mate offers - build, execute, operate, train and transfer capabilities across all verticals for flexibility and long-term success. We have strategic partnerships across all verticals; hence, we are a one-stop engagement solutions provider in financial services. We offer these services by customizing and catering to both established industry players and start-ups.

1. Business strategy & transformation

Market Research

Due Diligence – viz. M&A, target market ‍
Financial Statement & Product Analysis – viz. financial & operating leverage structure assessment, product economics, viability

Business Strategy formulation, evaluation and implementation

Business SWOT – viz. Problem statement formulation, Business SWOT/competitor analysis to formulate “where the organization is & where organization wants to go”; roadmap for implementation
Customer Experience – viz. data & analytics driven customer experience analysis to formulate “where the organization is & where organization wants to go”, customer dissonance analytics

Organizational design and restructuring

Organization – viz. Strategy alignment assessment with organizational structure, culture assessment, governance, roles & responsibilities etc.

Process Mapping, Design & Re-engineering

Business Process Augmentation – viz. Process assessment, design, re-engineering with intelligent use of people and technology

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2. Risk compliance & control functions

Enterprise Risk Management (ERM)

Governance Structure, Roles & Responsibilities – independence, aligned with business strategy & risk profile‍
Risk Management Process – viz. Risk Appetite, Policies & Procedures, Risk Assessment Framework, KRI/KPI Framework, Issue Management, Change Management, QA testing, Data & analytics, Reporting, EGRC system implementation ‍
Culture & Incentives – viz. Compensation structure, Training - aligned with business strategy & risk profile
Data & Technology – viz. risk aggregation, automation supported by intelligent use of data & technology, privacy, cyber security

Compliance Management System (CMS)

Compliance Testing – viz. regulation compliance testing structure ‍
Compliance Training – viz. training program - aligned with regulatory, compliance & risk profile‍
Policies & Procedures – viz. Linkage to laws/regulations (federal & state), change of law‍
Exam/Issue Management – viz. organization structure, exam strategy, peer reviews, corrective action tracking and reporting‍
Third Party Oversight – viz. Vendor Approval, Contracts, Monitoring and Score Card

Federal & State regulations

Federal – OCC, Fed, CFPB viz. regulatory interface & risk assessment, change of law process, MRA resolution, Testing tools, automated testing
State – viz. 50 state regulatory interface & risk assessment, change of law MRA resolution, testing tools

Corporate Audit Architecture

Corporate Audit – viz. setting up 3rd line of defense with cross-functional coverage – board oversight, governance, data & analytics, audit plan, reporting - aligned with business strategy & risk profile

RiskMate will be your caring partner to help build world-class Consumer Finance Operations.

P&Ls for multi-billion dollar secured and unsecured asset portfolios

Corporate advisors and partners for top 10 bank & non-bank executive suites and their boards for 3 decades

20+ years of experience in the industry

Services we offer

1. Business strategy & transformation

Market Research

Business Strategy formulation, evaluation and implementation

Organizational design and restructuring

Process Mapping, Design & Re-engineering

2. Risk compliance & control functions

Enterprise Risk Management (ERM)

Compliance Management System (CMS)

Corporate Audit Architecture

Finance (SOX) & Non-Finance Controls

3. Data analytics & Modeling

Statistical modeling

Model validation

Big data analytics

Data architecture