In recent years, retail lending has seen significant changes in the way lenders provide credit, consumers borrow and how regulators monitor this activity.

Existing lenders have stepped up their exposure, new players have made significant inroads and the sector is being redefined all the time.

Consumer finance (car loans, personal loans, education loans) and housing finance are the corner stone of retail lending. By their very nature, they require careful attention to diverse and complex issues. Significant risks are attached to retail lending and need to be addressed to create a robust portfolio and ensure growth and quality.

In consumer and housing finance we consult and advice on:

	Establishing a consumer / housing finance company / division
	Product development / business development strategies
	Systems, MIS and operations processes
	Strategies for both sides of the balance sheet
	HR
	Training and organisation structure People identification and retention

Our advisory ranges from Board level to "hands on" operational level involvement and extends to an advisory role to the Board of Directors of Real Estate firms / Funds.