To deliver improved performance by confirming :

A clear and concise vision

• Understanding

• Achievable

Clarity of purpose

• Clarifying roles and responsibilities

Universal application of Underwriting

• Consistent Risk assessment

Specialisation

• Tailored Risk assessment to optimise Credit appetite and optimise return on equity

Staff

• Identify and optimise potential

Ongoing performance assessment

• Concise and regular monitoring

Continuous learning and development

• The Kaizen process - PDCA - Plan, Do, Check, Act

Reporting

• Concise dashboards with key metrics