Business and market structure
Financial-services plans connect customer demand, funding costs, risk and capital requirements. A revenue forecast needs to be considered alongside the resources and controls required to support it. We examine product and customer economics, distribution choices and the division of responsibilities between business units and central functions. Our role concerns business analysis and organization; qualified specialists remain responsible for regulated financial, legal and supervisory advice.
Areas of work
- Product and customer economics
- Assess revenue, direct expense and the cost of servicing accounts across products and segments. Examine how rate assumptions, fees, distribution arrangements and service requirements affect the comparison.
- Business-unit planning
- Compare growth and investment proposals on consistent commercial assumptions. Identify dependencies on technology, operating capacity, control functions and funding decisions.
- Operating responsibilities
- Define how product, distribution, operations and central functions divide activities. Clarify service expectations, reporting responsibilities and escalation arrangements.
- Commercial review around a transaction
- Examine the customer, distribution and revenue assumptions behind a proposed combination. Assess operating dependencies and distinguish management estimates from supported findings.
Questions to assess
- Which customer and product segments contribute after servicing costs?
- How does the business plan change under alternative rate and demand assumptions?
- What capacity and control changes would an expansion require?
- Which activities should sit with operating units or shared functions?