Reinventing the Operating Model: How Salt Grain Positioned a Global Retail Bank for Sustainable Growth & Cost Leadership
We partnered as strategy-to-execution ally to redefine the operating model end-to-end — aligning structure, processes, capabilities, and decision-making.
- Client
- Global Retail Bank
- Sector
- Banking
How we delivered
In the fast-evolving retail banking landscape, this global bank recognised it could no longer operate with a legacy model built for a different era. Slow decision loops, misaligned capabilities, fragmented processes, and rising costs were limiting agility and profitability.
Step 1: Holistic Operating Model Redefinition
We diagnosed the current state and co-designed a future-state model focused on cost and efficiency foundations, customer-centric alignment, and competitive agility.
Step 2: Strategic Capability Investment Roadmap
We mapped current versus needed capabilities, prioritised investment areas (digital channels, data/analytics, customer experience platforms, agile ways of working), and aligned talent, technology, and budget to fuel long-term growth.
Step 3: Accelerated & Empowered Decision-Making
We streamlined governance, introduced faster decision frameworks with clear ownership, and embedded change management and training to sustain speed gains.
Results
- Strong positioning for sustainable growth
- Significantly faster and more effective decision-making
- Substantial operating cost reduction
- Enhanced organisational resilience and adaptability