Illustrative engagement. A representative scenario showing how we approach this kind of work in financial services. It does not describe a specific client; outcomes are described qualitatively.
Industry overview
What is shaping financial services
Banks, NBFCs, fintechs and wealth firms compete on trust, convenience and fair pricing, while reaching new customers in smaller towns and online.
- Digital channels now lead customer acquisition
- Financial inclusion opens new segments
- Trust and complaint handling drive loyalty
Client background
A growing NBFC, working in India. This is an illustrative engagement: a representative scenario showing how we approach this kind of work, not a named client project.
- Organisation
- A growing NBFC
- Sector
- Financial services
- Team engaged
- Finance & Accounts
- Services
- Financial modelling, Corporate finance advisory
Client challenge
The NBFC needed a robust model to present its expansion plan to lenders.
Research objectives
- Deliver on the brief: a financial model for an NBFC's growth plan.
- Establish accurate, reconciled numbers management can rely on.
- Put a reporting and compliance rhythm in place that runs on time.
Target audience
Scope: Growth plan.
Audiences we typically reach in financial services
Retail customersSmall business ownersNew-to-credit customersBranch and agent staffWealth clients
Geographic coverage
Coverage: India. Market: India.
- India
Research methodology
A structured finance engagement: review the current process, set up controls, run the routine and report.
- 1Brief
- 2Five-year model
- 3Scenario analysis
- 4Insight
We built a model of loan book growth, funding costs, credit losses and capital needs with scenarios.
Financial modellingCorporate finance advisory
Sampling strategy
- Every ledger, entity and transaction stream in scope was covered, with sample-based checks during review.
Data collection
- Source documents, bank statements and ledgers were collected through a secure shared workspace.
Data quality & validation
- Maker-checker review on all entries
- Bank and ledger reconciliations
- Client approval before every filing or report
- Supporting documents kept for every figure
Data analysis
- Variance analysis against budget and prior periods
- Ratio and trend analysis
- Cash-flow view for management
Key findings
- Lenders trust scenarios more than single forecasts.
Recommendations
- Build on the core insight: lenders trust scenarios more than single forecasts.
- Re-measure after the changes to confirm the effect.
Business impact
- The company presented clear scenarios to lenders and secured funding lines aligned with its plan.
What changed in the business as a result of the work. Impact is described qualitatively.
Deliverables & next steps
- Monthly MIS pack and reconciled books
- Compliance calendar and filings
- Repeat the measure after changes are in place to track progress.
- A natural follow-on question: how satisfied are customers across channels?