DBH Finance : DBH Affordable housing project
The engagement supports DBH to develop and strengthen an affordable housing loan proposition by establishing a clear value proposition for lower- and middle-income households. It focuses on defining target customer segments, calibrating pricing and eligibility, optimising distribution (branches, partners, digital), and embedding responsible lending so that mortgages are both accessible and sustainable.
Five-Axis Transformation
Data: Market sizing and segmentation; income and affordability analysis; portfolio diagnostics to shape credit policy, ticket sizes, and risk-based pricing.
Capacity Building / Technical Assistance: Training for product, sales, credit and collections teams; playbooks for customer onboarding, verification, and grievance handling; gender-responsive and customer-centric design.
Technology / Systems: Enhancements to loan origination and management systems, digital pre-screening and scorecards, e-KYC workflows, and dashboards for early-warning risk monitoring.
Finance: Unit-economics modelling, funding strategy (including potential refinance/guarantee options), and scalable underwriting to crowd-in private capital to the affordable segment.
Policy: Alignment with national housing-finance guidelines and consumer-protection norms; integration of ESG considerations and optional “green/energy-efficient home” features where feasible.
Strategic Impact & Value Proposition
Expanded Access: More first-time and underserved borrowers—especially women and informal-income households—gain access to formal mortgages.
Lower Cost, Better Risk: Streamlined origination, appropriate pricing, and strengthened credit controls improve portfolio quality and reduce delivery costs.
Market Demonstration: A bankable, replicable product architecture that can be scaled and emulated by other lenders.
Customer Outcomes: Clearer disclosures, fit-for-purpose loan structures, and improved service standards support long-term affordability and financial resilience.