Services

Outcomes-defined engagements for African financial institutions.

ARMA's advisory work is scoped to outcomes — a completed framework, a passed regulatory review, a delivered capability — not to consultant hours. Five service lines, each delivered through ARMA's three-layer model: AI consulting engine drafts; accredited human bench reviews and signs; senior practitioners frame and bear accountability.

Strategy & Business Modelling

The problem: Your board has approved a three-year growth ambition and your treasury is sized for last year's balance sheet. The capital raise needs a defensible valuation, the new market entry needs a feasibility-tested model, and the transformation programme needs a strategy that survives contact with regulators and shareholders. Hiring a Big 4 firm means $200K+ and six months before the first deliverable.

What ARMA delivers: Strategic planning, feasibility studies, capital raising support, and enterprise valuation — grounded in the African macro, regulatory, and capital market context. Our models survive Tier-1 board scrutiny because they are built by practitioners who have sat on both sides of the board table.

Typical engagement: Three-year strategy refresh (8-12 weeks, $35K-$80K) — market scan, growth options analysis, capital structure modelling, board pack. OR capital raise support (10-16 weeks, $50K-$120K) — information memorandum, valuation model, investor pipeline, negotiation support.

For: CEOs, Board Strategy Committees, CFOs, M&A heads.

Risk & Governance

The problem: Your regulator expects an integrated enterprise risk framework — ICAAP, ILAAP, credit and operational risk integration, ESG risk — and your team is sized for business-as-usual, not transformation. ISO 31000 communication & consultation are now supervisory expectations, not optional. Board governance gaps surface in every DFI due-diligence cycle.

What ARMA delivers: Enterprise risk framework design, ISO 31000 communication & consultation programmes, board governance reviews and committee charters, and ICAAP / ILAAP support. Our risk advisory is delivered by practitioners with central bank examination experience — we know what regulators expect because we have sat on the other side of the table.

Typical engagement: ERM framework standup (12-16 weeks, $45K-$110K) — gap diagnostic, framework design, board charter, ICAAP support, implementation roadmap. OR board governance refresh (6-10 weeks, $20K-$45K) — governance diagnostic, committee charter rewrites, board effectiveness assessment.

For: CROs, Heads of Risk, Board Risk Committees, Heads of Compliance, Heads of Internal Audit.

Trade & Supply Chain Finance

The problem: Your corporate banking book is concentrated, your distributor finance programme is sub-scale, and the agricultural value chains in your portfolio carry concentrated counterparty exposures that your trade desk is not modelling. Working capital optimisation could free 8-12 percent of corporate balance sheet but the SCF products do not exist in your shelf.

What ARMA delivers: Receivables and payables finance programme design, distributor finance frameworks, agri-finance value chain structuring, and SME working capital advisory. ARMA partners with global trade banks while bringing African market depth your clients cannot get from London or Frankfurt advisory.

Typical engagement: SCF programme design (10-14 weeks, $40K-$95K) — anchor mapping, supplier financing structure, distributor finance shelf, risk-sharing agreements, operational rollout. OR agri-finance value chain diagnostic (8-12 weeks, $30K-$70K) — commodity flow mapping, counterparty risk model, financing structure.

For: Heads of Corporate Banking, Heads of Trade Finance, Heads of SME Banking, NBFIs operating in working capital.

Financial Inclusion & Climate

The problem: DFI and development finance partners now condition funding on demonstrable financial inclusion impact and climate finance capability. SME finance, gender-mainstreamed product design, clean-cooking finance, and green-buildings finance are no longer add-ons — they are commercial lines that gate access to concessional capital from IFC, AfDB, Proparco, CDC, and Norfund. Most institutions have neither product nor measurement capability.

What ARMA delivers: SME finance product design, gender-mainstreamed product frameworks, clean-cooking finance programmes, and green-buildings finance structures — with measurement methodologies that pass DFI due diligence.

Typical engagement: SME finance programme design (10-14 weeks, $35K-$75K) — segment analysis, product design, risk model, pricing, distribution rollout. OR climate finance product standup (12-16 weeks, $45K-$95K) — product design (clean-cooking, green buildings, agri-climate), eligibility framework, DFI engagement, measurement and reporting.

For: Heads of SME Banking, Heads of Sustainable Finance, Chief Sustainability Officers, Treasury heads on DFI engagement, DFI programme officers.

Capacity Building

The problem: Your team needs the capability to operate the framework you have just built. Off-the-shelf training does not address the regulatory, market, and institutional context your board and front-line teams actually work in. Capability development needs to be tailored, examinable, and supervisor-credible.

What ARMA delivers: Tailored capability programmes for boards, regulators, and front-line teams across Africa. Board ESG briefings, supervisory training for central bank examiners, front-line risk and credit training, and white-label course development for institutional L&D teams. Programmes are CPD-accredited where applicable.

Typical engagement: Custom capability programme (6-12 weeks design + delivery, $25K-$75K) — needs assessment, curriculum design, content development, delivery, assessment, certification. OR ARMA Academy enterprise rollout (institutional seat licences, $60-$100 per seat) — our flagship courses delivered with institutional support.

For: Chief Learning Officers, HR Directors, Heads of Risk training, Board Chairs, Central bank training departments.

How we engage

Three-stage model. Discovery call (free, 30 minutes) — scope, fit, indicative pricing. Diagnostic sprint (1-4 weeks, $5K-$25K) — a defined deliverable at fixed fee. Engagement (8-24 weeks, $25K-$250K+) — outcome-defined scope, milestone-paid.

Discovery to engagement conversion typically in 2-4 weeks.

Book a discovery call or email advisory@africarisk.net.