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Liquidity Risk Management
LCR/NSFR frameworks, cash-flow forecasting tools, stress testing and contingency funding plans calibrated to local central bank directives.
Global Expertise. Local Solutions.
Treasury & balance sheet management for African financial institutions
We partner with banks, asset managers, insurers and corporations to proactively manage risk, optimize profits and build regulatory frameworks that earn lasting customer trust.
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- Treasury & ALM disciplines
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- Regions served across Africa
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- Frameworks built bespoke
About us
Turning balance sheets into strategic engines
We help financial institutions across Southern and Eastern Africa transform treasury, ALM and regulatory risk into a competitive advantage — with frameworks built for local market realities, not templates.
Who we are
At Kelo Consult, we help financial institutions across Southern and Eastern Africa transform their balance sheets into strategic engines for resilient growth. Our specialized consultancy delivers targeted expertise in modern Treasury Management, Asset Liability Management (ALM) and regulatory steering, designed specifically for the unique economic landscapes of Malawi and surrounding regions.
We partner with executive teams at banks, asset management firms, investment houses and insurance treasuries to design robust frameworks that optimize capital, manage liquidity, and mitigate foreign exchange and interest rate volatility.
What differentiates us
Deep, on-the-ground understanding of African financial markets combined with global best practice. We do not offer generic, one-size-fits-all frameworks; we build tailored steering strategies that address regional liquidity constraints, specific compliance mandates and local currency fluctuations.
Our team consists of seasoned practitioners who deliver practical execution plans, transforming risk management from a compliance burden into a distinct competitive advantage. We train staff across the full change-management cycle until best practice is fully embedded.
Services
Specialized treasury & risk solutions
We cover the full spectrum of treasury and balance-sheet management so your institution stays safe, compliant and profitable through every cycle.
02
Interest Rate Risk (IRRBB)
Repricing gap, earnings-at-risk and economic-value-of-equity models that protect net interest margin under shifting rate environments.
03
Capital Management & Optimization
ICAAP design, capital allocation across business lines and regulatory documentation that balances minimums with shareholder returns.
04
Funds Transfer Pricing (FTP)
Bespoke FTP frameworks and engines that attribute liquidity costs and benefits to products, branches and business units accurately.
05
FX & Market Risk Management
Net-open-position tracking, value-at-risk models and hedging policies aligned with exchange-control and global best practice.
06
Balance Sheet Optimization
Strategic ALCO governance and scenario simulation that turns the balance sheet into an active steering tool for growth and resilience.
07
Regulatory Compliance & Stress Testing
Policy governance, recovery plans and stress-testing engines built for local regulators and international standards such as Basel.
How we deliver
Cross-cutting execution pillars
Every project we undertake is backed by four capabilities that ensure the work sticks and your team can run it independently.
Project & Change Management
End-to-end oversight that minimizes operational friction and guarantees adoption.
Software & Tool Implementation
Selection, configuration and deployment of treasury systems integrated with core banking platforms.
Bespoke Excel & EUC Modeling
Auditable, highly functional models tailored to your specific portfolios and workflows.
Staff Training & Upskilling
Practical training throughout the change cycle until your team achieves full operational autonomy.
Team
Work WithSeasoned Practitioners
Our consultants are treasury and risk specialists who bring global methodology and hands-on African market experience into every engagement.
Lusekelo Mwamondwe
Founder & Managing Consultant
Senior ALM Advisor
Asset & Liability Management
Regulatory Risk Lead
Compliance & Stress Testing
Treasury Systems Specialist
Software Implementation
Every engagement is led personally by senior practitioners — no hand-offs, no junior benches. We stay until your team can run the framework on their own.
Work with usFAQ
Common questions
Honest answers about how we work and what to expect from an engagement.
We partner with banks, asset and investment managers, insurance firms and corporations across Southern and Eastern Africa that need to proactively manage balance-sheet and treasury risk.
Get in touch
Tailored treasury solutions for your organization's growth.
Reach us directly
What happens next?
- Expert discovery call within 24h
- Full treasury audit & assessment
- Custom implementation roadmap