Strategy and Advisory

Helping our clients to create strategies that make them relevant and competitive in their industries

Strategic Planning
Corporate Strategy
Business Unit Consulting

Our quest is to be a reliable partner for our clients, meeting their most significant needs by developing and delivering innovative and structured advisory process that maximize our clients’ values.

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.

Our Core & Unique Expertise include:

  • Business Unit Consulting
  • Corporate Strategy
  • Strategic Planning
  • Performance Measurement
  • Finance
  • 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

Developing a comprehensive risk management framework and implementing these areas firm-wide requires colossal resources and know-how. Given our unique mix of experience of banking risk and proven expertise in risk management, we work with clients to develop and implement a credible risk management strategy and processes that will be responsive to market uncertainties and opportunities.

Areas in which we have distinct expertise include:

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

How Xstal Consulting can help

Through a combination of our knowledge of the financial sector and a detailed understanding of the regulatory environment, we are able to assist clients in delivering working solutions to meet specific enterprise-wide range.

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
  • 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.

How Xstal Can Help

We advise clients on those tricky issues fundamental to credit risk management, including Credit process, Loan policy, loan review system, credit scoring and modelling default, credit stress testing.

Project Management

We offer our clients a distinct value proposition, combining our unique expertise with a structured project management process and execution.

Driven by our passion to exceed our clients’ expectation, we work with our clients to deliver tailor-made programme and project management services for our clients. Keeping an eye on effective project cost management, project quality and effective time management.

Xstal Project Professional

Our project professionals – Programme Mangers, Project Managers, Consultants and Business Analysts are well equipped with the right project management certifications with many years of project management experience.  Our Consultants knack for problem-solving as well as their ability to think outside the box provide them the unique ability to engage in creative and multi-layered thinking that help us deliver a cutting-edge analysis of our client business, precise and timely project execution. Whatever your choice of project management methodology – Agile, Waterfall, Six Sigma… We got it covered.

Our Unique Area of Expertise

  • Asset Management
  • Business Improvement
  • Process Re-engineering
  • Target Operating Model
  • Project and Portfolio Management
  • Programme Strategy & Management
  • IT Transformation
  • Regulatory Projects
  • Risk Management Project (Credit Risk, Market Risk, Operational Risk)
  • Product Control and Independent Pricing Valuation
  • Data Modelling and Management
  • Project Management Training Programs
  • Digital Analytics

How Xstal Consulting can help

We continue to leverage on our highly skilled project teams and strong project management expertise for projects of varied sizes and complexities to implement our client-centred, project management strategy, with an emphasis on best practice, quality, efficient cost and time management. Our ability to work with our clients seamlessly, allowing us to provide comprehensive project management solutions that cover the entire project life-cycle from Initiation to closing.

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.

Our Areas of Expertise include:

  • Banking and Financial Services
  • Finance
  • Financial Services
  • Insurance
  • Technology
  • Oil and Gas
  • Consultancy & Strategy
  • Executive Search
  • Public Sector
  • Legal
  • Risk
  • IT
  • Science, Biotech and Pharmaceuticals
  • Healthcare and Medicals
Our Unique Expertise

  • Change Sourcing
  • Talent Recruitment
  • Employee Training & Development



Our people are hardworking and client-centric showing great commitment to our culture of teamwork.

Attracting and developing the best talent in the market is central to what we do at XC as we continue to grow and tackle new challenges in our clients industries. Our talent management drive is geared at ensuring that we have the right mix and diversity of experience required to execute our growth strategy to position our firm the employer of choice for the very top talents around the globe