4. Research Design
And handover to
Operations for
Rollout
Review Pilot
5. From Market Rollout Operations
Research to Pilot
• unctional unit
F • andover to
H • ranch/es is
B
in HO? operations where the action
• unctional
F • nstalling
I is:
elements lodged product and • lient
C
in different Training rollout recruitment
units or staff branches • roduct
P
person? • ho performs
W Servicing
• anding over
H this function in • roviding
P
pilot tested the bank? market signals
products to & development
operations : is to HO &/or
the process and marketing unit
procedures clear
6. Market
research to
pilot & prod.
review
Handover
Training
OPERATIONS
7. HR:
Recruitment,
Staff Dev.
MIS,
Repor0 Training
ng
OPERATIONS Back office:
Internal Audit Acctg, Loan
processing
Supervisi
on & Remedial
Management
Monitori
ng
8. Markets • Dynamic
change
• More competition
Products • After growth, product loses novelty, attraction
• Clients shop around
decay • No longer timid as before
Clients
• Demand more services
• More price sensitive; shop around
• Demand better customer service, transparency in their financial
demand more transactions
• available info and communication technologies can reach more clients
9. “All this stuff is okay for a big multiple branch
microfinance operations, but how about a one
unit affair?”
–One branch or multi-branch operations, you
still need to integrate market research, prod.
Dev, testing and review, operations support in
the organizational functional structure
-The difference is in how these functional
tasks are organized
10. Withmultiple branches, more staff, more
clients
–more complex and more specialized set up
maybe required;
- demarcation between line (operations) and
staff (support) functions maybe necessary
11. Checklist of functions identifies who or which
unit does what
Identifies, too, the frequency an activity is
performed; the last time functional activity
was done
A guide to help enhance present
organizational set up and clarify scope of
work of different units or person/s tasked
with functions in the bank
