Operational and digital transformation

Operations and technology that keep pace with growth

We help specialty finance businesses improve how work moves through their operation and how their systems support it.

From origination through servicing, we identify where change will make a difference and deliver it alongside your team.

Our approach is to retain what works, reconfigure what can work better and replace what can no longer meet the business’s needs.

Retain, reconfigure, replace

The starting point is what your business needs to achieve and how well its processes and technology support that today. We assess what should stay, what needs adapting and where replacement is justified.

Retain

Keep processes and systems that meet current and future requirements. Preserve useful capability and the investment already made.

Reconfigure

Improve workflows, system settings, integrations and data flows so the operation works better as a whole.

Replace

Where existing technology cannot meet the requirements, define the scope, select the appropriate system and manage implementation around the running business.

Where is change needed?

IN THE OPERATION

  • Growth is outpacing the team’s capacity
  • Introducers are raising concerns about speed
  • Month-end bottlenecks keep returning
Operational review and process change →

IN THE TECHNOLOGY

  • Data is re-entered between systems
  • A technology investment is underperforming
  • A system renewal or replacement decision is approaching
Digital transformation →

Operational review and process change

We review the operation from origination through servicing, map where work loses time and identify the changes that will make the greatest difference. We then deliver those changes alongside your team.

  • Process mapping and time spent at each stage
  • Clearer responsibilities and handoffs
  • Journeys shaped around customers and introducers
  • Changes implemented and reviewed with your team

 

A focused starting point: prop-to-payout

Find where deals stall between proposal and payout, understand the cost of delay and set out a sequenced plan for improvement.

Discuss your operation →

Digital transformation built around your operation

A system replacement may be necessary. In other cases, the greater opportunity lies in connecting existing systems, changing how they are configured or improving the data passing between them.

We assess your technology against the operation you need to run, identify the gaps and set out a practical sequence of changes.

 

Technology audit and reconfiguration

  • System capability and unused functionality
  • Integration, data flows and automation opportunities
  • System lifecycles and replacement planning

Selection and implementation

  • Requirements grounded in real workflows
  • Vendor demonstrations against your use cases
  • Support through implementation and review

The work gives you a clear basis for deciding where to invest and how to deliver the change.

Discuss your technology plans →

Where AI is part of the requirement, explore Affy, Finativ's AI platform for specialty finance →

How we deliver the change

1

Assess

Map the processes, technology and data flows; baseline the numbers
2

Define

Set the future-state operation and analyse the return
3

Plan

Prioritise the initiatives, sequence the dependencies
4

Implement

Deliver the change with your team and embed the improvement cycle

How this has delivered for clients

17%

More deal-flow capacity

A leading automotive leasing broker, growing fast, needed more deal flow without more IT cost or headcount. A two-person Finativ team mapped the operation in four weeks. The short-lead-time fixes alone added 17% deal-flow capacity, with minimal IT change and no extra staff, and near-term gains worth up to six times the cost of the engagement.

"Finativ reviewed all aspects of our asset finance business across our relationships, products, processes, policies and organisation, whilst always earning the trust and respect of our colleagues. 

As a result of the collaboration, we’re now significantly exceeding our asset finance targets."

Conrad Ford, Chief Product Officer, Allica Bank

"Finativ carried out a thorough review of our operations. Their recommendations were thoughtful and far-reaching, helping us reshape key elements of our process and organisation to improve productivity, risk management and team morale. As a result, we now have a firm foundation for service excellence and new business growth."

Paul Bartley, MD Asset Finance, Hampshire Trust Bank

Discuss what needs to change

Tell us where the operation is under pressure or which technology decision you are considering. We can discuss where a focused review would help.
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