At Xstal Consulting, we are committed to bringing our unique consulting experience and expertise to helping our clients create strategies that make them relevant and competitive in their industries. We have a broad understanding of the industries in which our clients operate and use our technical know-how to create sustainable values for our clients.

Our consultants work with senior management and our client’s business units, to develop and create a comprehensive framework for both corporate and business strategies that satisfy our clients diverse and increasingly complex management strategic needs. Ranging from product development to market positioning. Our core expertise includes Corporate Strategy, Business -Unit strategy, Strategic Planning, Financial Strategy, Performance Measurement, Organisational Strategy, IT Strategy, Regulatory Planning.

How Xstal Consulting can help

Combining strengths of our industry knowledge and our exceptional expertise in strategic analysis we are able to offer our clients a broad range of services, creating values for our clients.

Risk & Regulation

We develop a comprehensive risk management framework and strategy that will be responsive to future market uncertainties and opportunities,

Trading Risk,

Operational Risk,

Risk and Regulation,

Credit Risk Management

Risk Management

The recent financial crisis uncovered the vulnerabilities of the risk management practices of many banks and other financial firms, many financial institutions were not fit for purpose in those areas of risk management that matters such as:

• Articulating Risk Appetite
• Liquidity Risk Management
• Senior Management Oversight
• Counterparty Risk Management
• Scenario Analysis and Stress Testing
• Valuation Practices and Loss Recognition
• Risk Information Technology Infrastructure
• Risk Aggregation and Concentration Identification

Areas in which we have distinct expertise include:

• Trading Risk
• Operational Risk
• Risk and Regulation
• Credit Risk Management

Operational Risk

Operational risk is the risk of loss ensuing from insufficient or failed internal processes, people, infrastructure and technology, or from an external event (BCBS). Our Consultants work with clients to develop a comprehensive Operational Risk Management (ORM) Framework including key components of ORM solution, including:

• Risk & Control Self-Assessment (RCSA)
• Key Risk Indicators (KRI)
• Loss Event Database
• External Loss Data Interface
• Integrated RCSA & Loss Event Data
• Internal Audit
• Reports

Trading (Market) Risk

The global financial markets have undergone fundamental change since the recent financial crisis. Market conditions may change in a matter of minutes without giving any sign or warning. Organisations will have to act fast and put the adequate measure in place to minimise losses during market fluctuations and extreme volatilities. Our Market risk experts work with clients to deploy various market risk mitigation techniques including risk identification, monitoring, measuring, control and mitigation:

Areas of specific expertise include:

• Stress testing
• Value at Risk (VaR)
• Backtesting
• P&L controlling
• Pricing and Model valuation

Risk and Regulation

Post financial crisis, the financial services industry is undergoing an unprecedented transformation in its relationship with both their regulators and policy makers. Forward-thinking banks and firms are adopting a proactive approach to this process. We work with clients to access and address the impact of new regulatory requirements, providing our clients with the opportunity to quickly identify and seize opportunities arising from regulatory change. We partner clients in regulatory planning including compliance advisory, reporting and implementation.

We help organisations to deliver transparency in their finance and risk reporting while integrating firm- wide risk and regulatory requirement and risk management.

Areas of expertise include:

• Basel III
• CRD IV
• Dodd-Frank
• CoREP
• CRR
• FATCA
• EMIR
• AML
• IFRS9
• MFID

Credit Risk Management

Credit risk is the probability of incurring losses due to counterparty failure to fulfil their contractual obligation under the credit terms. Credit risk management is the practice of mitigating those losses by maintaining credit risk exposure within the tolerant limit. While loans constitute the bulk of their credit portfolio and the main source of their credit risks for the majority of banks, other sources of credit risk exposure of banks may include unfunded loan commitment and credit derivative products.

Exposure to credit risk continues to be the biggest worry in many banks. Therefore, maintaining a sound credit risk management practices has become a survival strategy, as shown by the recent subprime credit crisis.

Human Resources Management

At Xstal Consulting, we believe that attracting and developing top talent is critical to the successful execution of our client’s strategy. growth and competitive advantage.

Xstal Consulting talent management efforts are geared at ensuring that our clients have access to the best talent with the range and diversity of experience at all levels of their organisations. We will go all the way to ensure that our clients have the best and strong base of talents in their particular industry. We can be trusted to put a square peg in a square hole.

Our Recruitment Promise

Our unique experience and deep knowledge of the industry provides our clients with the choicest employees, the very best talent in the market place. We help our clients to hire and train their employees with a view to ensuring that we put the right people in the right jobs. This is a promise we tend to deliver on, enabling our clients to have access to the right calibre of employees that are germane to their long-time success.

Change Management Sourcing & Talent Recruitment:

Xstal Consulting talent recruitment provides a specialised recruitment solution to organisations in different industries.  We support multinationals and global organisations around the globe in their search and recruitment requests to attract experienced professionals at all levels of an organization. Leveraging on our unique expertise of the market, we help our clients to attract top talent to different positions including permanent and temporary openings.

• Change Sourcing
• Talent Recruitment
• Employee Training & Development