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Conceptual consulting and support to AliFinance

Project Details

CLIENT

Alibaba

YEAR

2010

COUNTRY / REGION

China / South, Southeast & East Asia

EXPERTISE

Digital Solutions

Knowledge Transfer

KEY TOPICS

Analytics

Workshops

CONTACT

Ulrich Weber

Alifinance contracted IPC to assess the lending technology it used to finance clients of Alibaba. Based on this analysis and using IPC’s lending technology as a benchmark, IPC was invited to make suggestions about how to improve Alifinance’s model by including elements of a cashflow-based technology. The project was structured in three phases: (1) Introduction to IPC technology followed by financial analysis of selected clients using the IPC technology; (2) analysis of client data availability in Alifinance’s resources and assessment of the decision-making parameters applied in the existing model; (3) modifying Alifinance’s lending model. Activities included:

  • Conducting three-day classroom training for selected staff about cashflow-based financial analysis
  • On-the-job training through the analysis of 12 Alifinance clients, including credit decision-making
  • Assessing the suitability of Alifinance’s model, Alifinance’s client data availability, and Alifinance’s decision-making parameters, using IPC’s standard as a benchmark for sound and solid credit risk management
  • Making suggestions about how to improve Alifinance’s lending model
  • Presenting the results of the project and IPC’s suggestions to project stakeholders

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