We have advised financial institutions in 38 countries across corporate, middle-market, SME, retail, and microfinance portfolios, with most engagements delivered in Asia's frontier and emerging markets.

Our Track Record

Selected Case Profiles

(Details withheld for confidentiality)

Staying Ahead of Regulation

  • Challenge: Urgent mandate to establish climate risk management, lacked localized data and internal staff capability to move from theoretical planning to actual execution‍.

    Outcome: Alignment with international standards achieved in a year (embedded climate risk management in the credit cycle, translated global frameworks into localized tools, implemented physical and transition risk assessment of loan portfolio, climate stress testing), strengthening asset protection. ‍

  • Challenge: A Top-10 bank needed to develop its Staging Assessment Policy for its corporate and middle market segments following the development of ECL models.

    Outcome: Developed a policy fully compliant with IFRS 9 and local regulatory requirements, making the bank one of the first in its market to achieve full compliance.

Growing Without Losing Control

  • Challenge: A Tier-1 bank requiring rapid scale and shorter TAT in a high-growth, high-competition environment.

    Outcome: After hitting success metrics during pilot with selected branches, the scorecard was adopted by the bank in all its branches nationwide.

  • Challenge: Inefficiencies around manual credit decisioning scheme for an auto loan portfolio.

    Outcome: Automated credit decisioning for >95% of the new car portfolio and ~70% of the used car portfolio after 3 months of implementation.

  • Challenge: A fintech aggregator wanted to pivot from lead generation into a digital lender; needed the underwriting architecture and governance framework to execute safely.‍

    Outcome: Delivered a turnkey lending playbook—covering product structuring, scorecard preparedness, strategic partnerships, governance framework, etc.—enabling a sound, scalable market launch.

  • Challenge: Decentralized credit and recovery operations unable to support the projected growth of the organization.

    Outcome: Rapid speed-to-value. Proven within 3 months: 60+% productivity gain for credit and recovery officers and 20+% increase in overall recoverability.

Improving Capital Performance

  • Challenge: Lack of dedicated bank-wide credit risk analytics function, manual and basic report processing.

    Outcome: Reduced credit risk reporting from days to seconds, minimized manual errors, established self-sufficient analytics capability.

  • Challenge: Looming surge in delinquency in unsecured lending portfolio due to Covid19; need to de-risk without choking new revenue streams.

    Outcome: Kept delinquency rates flat even after the lifting of regulatory relief programs.

  • Challenge: Low profitability and inefficient capital recovery on purchased bad debt portfolio.

    Outcome: Double digit increase in baseline profitability and significantly higher recovery rates delivered within a 6-month pilot.

  • Challenge: Escalating NPLs in an SME portfolio threatening profitability and capital adequacy.

    Outcome: Reduction of NPL ratio from double digit back to single, industry average level after 6 months of implementation, directly protecting PBT.

© 2026 Altai Partners. All Rights Reserved.