Second top-menu

Banks, Insurance companies, Other financial services

MANAGEMENT CONSULTING

Pazisma Management Consulting Unit provides practical advices and supports to its clients on Strategy, Risk Management, Operations, Turnaround, Valuation and Private Equity Services. We focus primarily on the following industries: Financial Services, Consumer Products, Oil and Gas, Private Equity, and Transportation.

Due Diligence

We embrace the due diligence process with an investigative approach with the purpose to gather and analyze all the facts even the hidden ones to help our clients know what they are investing into. We interview the target company customers, suppliers, competitors, management, and lower level work force. We deliver fact based financial analysis to expose the investment's true potential. We work with clients to develop strategies to create value once the deal is closed.

Post Acquisition Services

We help our clients define the acquired company potential and business opportunities, identify priorities, and develop detailed action plans to grow value. A solid post acquisition value plan focuses on the following:

  • defining the business's full potential and devising a strategy to capture it, with specific initiatives, detailed action plans, assignment of accountability for results, and a dashboard of metrics to track operational and financial performance;
  • identifying highest priorities first, such as new product introductions, sales force productivity and integration of add-on acquisitions; and
  • Providing a structured, interactive forum for sponsors and managers to develop a value-creation plan.

Revenue Growth

To increase revenue, companies have to target the right segments, have efficiencies in sales, and low or inexistent customer attrition. They need to identify areas where they lose revenue; and then, process to eliminate those losses and improve revenue by constantly improving their products management, price optimization strategy, customer management, good sales and marketing.

Cost Management

A firm's approach to cost management is one of its most important levers in achieving profitability. Cost management includes overhead optimization and benchmarking to establish best demonstrated practices. Overhead optimization is especially important for companies facing immediate cost pressure from events such as management shakeups, customer account defection, or significant regulatory or technology changes. Achieving a low cost position is critical for most businesses. Not only does it improve profitability, but businesses with a low cost position are better able to drive growth through higher investment in sales, marketing and new product development, as well as more competitive pricing. Pazisma works with clients to better manage overhead costs and take full advantage of potential savings from the supply chain.

Risk Management

We work with our clients to:

  • Better measure and manage all categories of risk at all levels within the institution, including credit risk, market risk, asset/liability management (A/LM), insurance, operational risks and business or strategic risks.
  • Optimize their capital and balance sheet structures. Such optimization can improve shareholder returns, provide a more resilient financial platform for risk-taking and improve the institution's credit rating.
  • Better align their risk and business strategies with their financial and economic resources. Such management approaches often require a good understanding and appreciation of the balance sheet details required for effective economic, statutory reporting, regulatory and rating agency purposes, and of the differences between them.
  • Develop their risk strategies and shape the management processes, organization, culture, incentives and checks-and-balances needed to ensure the integrity of financial and risk management.

Strategic Planning

On strategy, we help our clients craft the future course of their organization on various levels

  • Testing and refining corporate objectives by mapping a self-correcting process to achieve new levels of performance;
  • Shaping the organization’s direction and boundaries and identify privileged capabilities and insights;
  • Identifying and selecting how and when to compete successfully against others for market share to create value for shareholder. We help organization produce efficient products and services; capture value from competitors, customers, and suppliers;
  • Taking advantage of the opportunities presented in highly uncertain business environments – while also managing the risks in turbulent markets.
  • Determining where the organization resources can be best deployed; identifying targets for acquisition or divestiture; uncovering the growth opportunities within their businesses.

Business Process Innovation

Business process Innovation (BPI) analyses the efficiency and effectiveness of an organization's processes. Through BPI, organizations can ensure that their processes deliver productively and efficiently the best quality goods and services, at the most competitive prices. BPI helps eliminate waste from processes, employ IT to enhance productivity, and make strategic use of outsourcing. It can be applied to most aspects of businesses to generate costs saving, reduce cycle times, and increase quality and customer satisfaction.

To succeed in BPI, every company should ask itself and find answers to six simple questions: Which customers do we want to serve and what value will we offer them? How do we capture our fair share of the value we create for these customers?

What activities must we do ourselves and which can we outsource? How do we protect our profits from customers and competitors? What organizational systems are required to ensure that we stick to our strategy and execute it well? And finally, how can digital technology improve our value propositions and enhance our operations?

Distressed companies or healthy companies with divisions in crisis need to find a clear path to results and the leadership to ensure that those results are sustainable. In turnaround situation, four critical steps are needed to succeed

  • Make/keep stable: secures adequate liquidities and supporting capabilities quickly to stabilize troubled companies.
  • Investigate: conducts an intense scrutiny and a thorough review of the business and its industry to quickly understand the issues.
  • Plan: works with the management to develop a solid plan that addresses the issues and emphasizes on the core strengths of the business.
  • Execute: builds consensus among the stakeholders and helps the management execute the plan successfully

Turnaround services include addressing liquidity concerns, stabilizing core operations, implementing cash conservation guidelines and controls, developing adequate business plan, establishing financial projections review, identifying and disposing of non-core assets, developing and reviewing cost reduction initiatives, assisting management with the implementation an the operational restructuring plans.

IT Strategy

We work with our clients to improve their IT strategies and align them closely with their business strategies.  To deliver on this goal we help define required IT capabilities and priorities based on business strategy and objectives, identify the relevant IT and business improvements, and structure the necessary IT transformations. We also help improve IT organizations by aligning their structures, leadership mandates, decision-making processes, skills, incentives, and performance metrics to the companies’ overarching IT strategies.

IT Infrastructure

Developing and managing IT infrastructure to allow access to data and applications is a critical function of IT organizations. We work with our clients to help them improve the technology infrastructure through effective use of infrastructure virtualization, productization, and global operating models, while ensuring overall effective demand management and performance tracking.

IT Architecture

The management of enterprise architecture often lacks the same rigor and business focus that characterize many of the other IT disciplines. We help our clients address the traditional architectural challenges (e.g., inconsistent data) as well as emerging issues (e.g., service-oriented architecture or server virtualization). CIOs are increasingly focused on enterprise architecture and their efforts to simplify it have resulted in significant savings.

Application Management

Enhancing the performance of application development (AD) management creates business value.  We work with our clients to improve AD capabilities (e.g., outsourcing, business unit IT interface, fine-tuning an AD organization, performance management, and redesigning the application development process from specification to deployment). We also focus on requirements management, performance assessments, capability maturity models (CMM), capability building, sourcing mix optimization, and lean redesign of the AD process.

 

Business Process innovation

Business process Innovation (BPI) analyses the efficiency and effectiveness of an organization's processes. Through BPI, organizations can ensure that their processes deliver productively and efficiently the best quality goods and services, at the most competitive prices. BPI helps eliminate waste from processes, employ IT to enhance productivity, and make strategic use of outsourcing. It can be applied to most aspects of businesses to generate costs saving, reduce cycle times, and increase quality and customer satisfaction.

To succeed in BPI, every company should ask itself and find answers to six simple questions: Which customers do we want to serve and what value will we offer them? How do we capture our fair share of the value we create for these customers?

What activities must we do ourselves and which can we outsource? How do we protect our profits from customers and competitors? What organizational systems are required to ensure that we stick to our strategy and execute it well? And finally, how can digital technology improve our value propositions and enhance our operations?

Cost & Supply Chain

A firm's approach to cost management is one of its most important levers in achieving profitability. Cost management includes overhead optimization and benchmarking to establish best demonstrated practices. Overhead optimization is especially important for companies facing immediate cost pressure from events such as management shakeups, customer account defection, or significant regulatory or technology changes. Achieving a low cost position is critical for most businesses. Not only does it improve profitability, but businesses with a low cost position are better able to drive growth through higher investment in sales, marketing and new product development, as well as more competitive pricing. Pazisma works with clients to better manage overhead costs and take full advantage of potential savings from the supply chain.

Revenue Growth

To increase revenue, companies have to target the right segments, have efficiencies in sales, and low or inexistent customer attrition. They need to identify areas where they lose revenue; and then, process to eliminate those losses and improve revenue by constantly improving their products management, price optimization strategy, customer management, good sales and marketing.

Profit Hunt

It is not enough to have a great business design. To make profit, solid operational performance is required. A profit opportunities hunt is a 4- to 12-month initiative focused on identifying and understanding a company's key drivers of profitability, and then designing and achieving profit improvements. Typically, more than half the profit increases comes from revenue growth. The remainder comes from both internal costs and supplier costs reduction.

Valuing all or part of a business requires understanding and analyzing a variety of complex factors. Both detailed technical knowledge of value drivers and in-depth knowledge of the business industry are paramount for an accurate valuation. Pazisma has the expertise to provide independent valuation services in variety of circumstances: valuation of public and private companies, intellectual property, intangible assets, and assets with not ready market value. Our services include valuation reports, valuation report review, fairness opinions and solvency opinions.      

On strategy, we help our clients craft the future course of their organization on various levels

  • Testing and refining corporate objectives by mapping a self-correcting process to achieve new levels of performance;
  • Shaping the organization’s direction and boundaries and identify privileged capabilities and insights;
  • Identifying and selecting how and when to compete successfully against others for market share to create value for shareholder. We help organization produce efficient products and services; capture value from competitors, customers, and suppliers;
  • Taking advantage of the opportunities presented in highly uncertain business environments – while also managing the risks in turbulent markets.
  • Determining where the organization resources can be best deployed; identifying targets for acquisition or divestiture; uncovering the growth opportunities within their businesses.

The implementation of a new process or system is not an easy task. We help clients develop comprehensive approaches to change management, integrating methodologies and techniques, such as strategic communications, and empowering internal leaders to steer the change management cycle from vision to rollout to effective and sustainable implementation.

 

We work with our clients to:

  • Better measure and manage all categories of risk at all levels within the institution, including credit risk, market risk, asset/liability management (A/LM), insurance, operational risks and business or strategic risks.
  • Optimize their capital and balance sheet structures. Such optimization can improve shareholder returns, provide a more resilient financial platform for risk-taking and improve the institution's credit rating.
  • Better align their risk and business strategies with their financial and economic resources. Such management approaches often require a good understanding and appreciation of the balance sheet details required for effective economic, statutory reporting, regulatory and rating agency purposes, and of the differences between them.
  • Develop their risk strategies and shape the management processes, organization, culture, incentives and checks-and-balances needed to ensure the integrity of financial and risk management.

The dilemma of asset-intensive vs. asset-light strategies and operations continues to pose challenges to oil and gas companies in finding the optimal path to grow shareholder value. The move by major integrated players to rely on other participants for much of the operations of key value chain activities-—e.g., field services, pipeline operations, and retail outlet operations-—is changing their business models to become more like oil and gas investors than ever before. The continued rise and consolidation among value chain specialists are also changing value flows among industry participants. We help clients solve their near-term operational challenges, and develop customer- and value-driven strategies to evolve their businesses in today's changing oil and gas industry. We work with

  • Integrated oil and gas companies—serving various business units-—upstream, commercial, refining and marketing, lubricants
  • Upstream exploration and production companies
  • Upstream field services and equipment providers
  • Midstream pipeline and transport companies
  • Wholesale gas marketers and traders
  • Regional and downstream-focused companies
  • Convenience and fuel retailers
  • Venture and private equity groups interested in investing in the oil and gas and convenience retail sectors.

We advise firms on strategic due diligence, and value creation for portfolio companies following acquisition, planning portfolio companies' future growth. Serving primary the emerging markets private equity firms. We help those firms achieve superior returns. We align our interests with client success. When, opportunities allow us, we co-invested with clients because we do believe in our advices and expertise.

A highly competitive environment forces transportation companies to improve cost effectiveness and service quality at the same time. The more integrated transportation solutions become, the more important smooth, seamless operations are. Whether it is purchasing, scheduling, handling, fleet management, maintenance, or any other part of the operation, Pazisma helps companies comprehensively redesign processes and structures and implement the changes without disrupting service delivery

Pazisma supports, among others, logistics service providers and postal companies in integrating their processes along the value chain. To optimize the supply chain we redesign and synchronize the flow of goods, documents, and cash. By speeding up deliveries and invoicing, our clients can enhance cash velocity significantly and thus reduce capital tie-up.

Banking

We address the needs of financial services companies serving personal, private and business clients. These three client segments have much in common: widespread distribution, large numbers of individual clients, factory-style support processes and intense competitive pressures. Furthermore, they increasingly offer overlapping and interconnected business opportunities, which demand corresponding changes on the part of financial service providers.

Insurance

We operate broadly across three core areas: strategy, operations and finance. Within those areas we combine industry expertise, strategic thinking, deep analytical insight and innovation to create tangible value for leading P&C, life and health insurers and reinsurers.

Winning companies innovate, reduce costs and make their supply chain more efficient. They focus on three points:

  • Identify the underlying consumer and shopper needs and behaviors and category insights to successfully launch differentiated, value-added products.
  • Develop and integrate practical long-term emerging markets strategies in their global strategies. Emerging markets is the future for consumer products.
  • Develop strategic partnerships and localization strategies to boost results.

Pazisma help companies achieve their full potential, increase their revenue, reduce cost and increase profit.