The diagnosis is in. Co-Design turns it into a structure the credit committee will recognise, before the client meeting ends.
The Copilot pulls the matching Solution Toolkit. The RAF gatekeeper fires at design time. RAROC recomputes live. Pricing and covenants tune within sector bands. The RM walks out with a proposal that is technically sound and commercially meaningful, drafted from data the client already trusts.
This is where the customer-led operating model converts insight into offers. It assumes the institution’s Lending Process, Risk Analytics, and Data Management are already running. The Solution Toolkit only fits the client because the foundations make it fit.
Five activities. Every step keeps the RAF in the loop. None of them ask the RM to invent structure on a blank page.
Pick up the diagnosed archetype from Phase 1
Match products, covenants, monitoring from the library
Sector cap, tenor, DSCR, RAROC checked at design time
Fine-tune within sector bands and policy bounds
Cited assumptions, expected outcomes, monitoring plan
Co-design instruments are pre-validated, Copilot-supported, and tied directly to the JTBD library. The RM keeps the client conversation. The system keeps the structuring discipline.
One-pager that links the diagnosed JTBD to the chosen toolkit, with cause-and-effect logic visible. Every product, every covenant, every monitoring action traces back to the data signal that triggered it.
View the toolInteractive selector that surfaces the pre-approved toolkit components for the diagnosed archetype. The library is curated upstream by Credit, Risk, and Treasury. The RM works inside the boundary, not against it.
View the toolEmbedded computation that shows risk-adjusted return for the proposed structure. Adjustments to pricing or tenor recompute live. RAROC is visible during design, not three days after committee.
View the toolPre-cleared covenant menu organized by JTBD and segment. AR monitoring for working capital. FX-linked clauses for currency mismatch. Concentration triggers for buyer dependency. Every covenant has a reason and a measurement.
View the toolPre-filled draft proposal. Problem statement from Phase 1 evidence. Toolkit components from Tool 02. Pricing from Tool 03. Covenants from Tool 04. Expected outcomes mapped to client KPIs. Auto-cited, ready for RM review.
View the toolStart with the diagnosed JTBD: working capital strain plus FX exposure mismatch. Pick toolkit components from the standard menu. Watch RAROC recompute, RAF gatekeepers fire, covenants attach themselves to the right triggers. The draft proposal is ready before the meeting room is booked.
Open the Karibu Logistics co-design draft. The Copilot has pulled the matching toolkit: revolving working capital line, invoice finance, AR monitoring covenant. RAROC at 14.8%, ahead of the 12% segment minimum. RAF compliance reads three of three. The client proposal draft auto-cites from Phase 1 data. Demonstrates how design discipline replaces white-paper structuring.
Launch the demo →Speed is only safe when the guardrails fire at design time. Pull the right toolkit, let RAROC and risk appetite check the structure as it is built, and the relationship manager leaves with an offer that is both fast and sound. Fast and disciplined are not opposites.
Christian Ruehmer, Co-Founder, Q-Lana
Two places Co-Design shows up next.
The JTBD-Data-Toolkit matrix and the AI-assisted co-design stage. How problem archetypes become governed, repeatable solution sets without inventing the wheel each time.
Training the JTBD-to-Toolkit selection, the RAROC live view, and the covenant library. Built for RMs who own the offer end-to-end.
Co-Design is where most banks lose days to back-and-forth between the RM, credit, treasury, and product. The toolkit collapses that cycle. The RAF gatekeeper runs at design time, not at committee. RAROC is visible to the RM, not just the analyst. By the time the proposal lands in front of the client, every line item carries a reason and a record.
No pitch deck. A working session on where the relationship is held back by the operating model, and what changes when the bank moves from product-pushing to problem-solving.
Curated news with practitioner commentary. One Deep Dive in rotation. One applied tool. Read in fifteen minutes. Used the same week.