Current Operating Model

Include the major steps, teams involved, information reviewed, decision points, approvals and handoffs.

Cover the review of personal loans, SME loans, salary loans, merchant loans, BNPL, credit cards or other relevant products.

Describe how investment proposals, instruments, counterparties, risk exposure and approvals are assessed.

Explain what is reviewed, when the review occurs, who performs it, what evidence is checked and how exceptions are managed.

Identify process owners, operational teams, reviewers, approvers and escalation authorities.

Consider Risk Officers, Fraud Analysts, Underwriters, Operations, Call Centre, Compliance, IT and Enterprise Architecture.

Include data entry, document review, calculations, reconciliations, verification, approvals, reporting and follow-up.

Identify points where information or responsibility moves from one party to another.

Include credit policies, risk thresholds, product rules, approval limits, exception rules and regulatory requirements.

Explain how exceptions are identified, assigned, investigated, escalated, approved and closed.

Consider maker-checker controls, supervisory review, sampling, reconciliations, audit trails and post-decision review.

Provide daily, weekly or monthly volumes by process or product where available.

Include average time, target time and worst-case time where available.

Consider delays, duplicate work, missing information, inconsistent decisions, manual effort, poor visibility and unresolved exceptions.

Consider other departments, third parties, data providers, approval committees, systems and regulatory bodies.

Use a real or anonymised example showing each step, system interaction, decision, approval and exception.