Better Housing Finance Solutions

Business Model & Organisation Design Alignment

Organisational Design
Aligned With Vision

A fundamental principle of organisation design is that structure follows strategy. As such, Risima’s organisational structure is intentionally designed to align with its strategic vision, five-year outcomes, and value creation objectives.

Risima operates within a strong corporate governance framework, ensuring accountability, transparency, and operational excellence.

The LEDA Board serves as the ultimate governing authority, providing shareholder oversight and ensuring that Risima’s operations align with the broader economic development objectives of the LEDA. The Risima Board, as the Accounting Authority, is responsible for strategic direction, financial governance, and operational accountability.

To enhance governance effectiveness, the Risima Board is supported by four specialised subcommittees:
Board Audit and Risk Committee (BARC)

Oversees financial controls, audit compliance, and enterprise risk management.

Credit and Investment Committee

Ensures prudent credit management, investment decision making, and financial sustainability.

Remuneration Committee (REMCO)

Provides oversight on executive remuneration, human capital strategy, and talent development.

Social and Ethics Committee

Upholds ethical business conduct, corporate social responsibility, and governance best practices.

This multitiered governance structure ensures transparency, accountability, and financial integrity, enabling Risima to fulfil its housing finance mandate effectively while maintaining long-term sustainability. While the governance structure provides strategic oversight and accountability, the organizational structure ensures that Risima is operationally equipped to execute its mandate effectively.

The organizational design is structured to align with Risima’s strategic objectives, business model, and growth trajectory over the 2025-2030 period.

  • Risima’s executive organisational structure is designed to support its housing finance strategy, operational efficiency, and financial sustainability. The structure ensures that key business functions are aligned with strategic priorities, enabling effective service delivery, risk management, and stakeholder engagement.

  • The executive leadership team is responsible for translating the strategic direction set by the Board into actionable business initiatives, ensuring compliance with regulatory frameworks, financial performance, and housing finance innovation.

  • The organisational model also reflects Risima’s focus on customer-centricity, digital transformation, and financial inclusion, ensuring that internal capabilities are positioned to meet market demands and growth targets.

  • The approved structure aligns leadership roles with the five-year strategic plan, capacitating the organisation to achieve its objectives in a cohesive and integrated manner.