This is a general guide to managing risk in the post-pandemic environment.

Financial risk typically resides on the balance sheet. This is at times intertwined with business risk via the risk of the business not being adequately capitalized.

Banks and other financial intermediaries are pioneers and leaders in this regard. The ALCO, by managing assets in conjunction with liabilities, effectively manages risk. In fact, balance sheet management is risk management.

Two types of risk stand out in the post-pandemic era:

  • Funding risk a.k.a Capital Adequacy — the risk that the business expands without adequate financial backing.
  • Liquidity Risk — The…

This is a general guide to post-pandemic business management.

The balance sheet needs to be managed, more so in the post-pandemic business environment. Life in general is an evolution story. Humans evolve and establish complex systems. Business management is an area that is evolving as well. Balance Sheet Management is the latest addition to general business management. Whilst this has always existed somewhat, it is time to bring it to the fore of business management.

It’s a Thing

Yes, Balance Sheet Management is an actual thing. It exists. The idea of balance sheet management has not always existed as a serious business management…


This is a general guide to managing businesses in the post-pandemic era.

Opex refers to Operating Expenses. These have a structure, and the structure might need to be reconstructed in the post-pandemic business environment. Business models are undergoing a metamorphosis. Value propositions, customer segments, and revenue streams are changing.

As such, key activities, key resources, and key partnerships are also changing. These feed our cost structure. The long-term key resources are typically classified as fixed assets and short-term key resources are typically classified as operating expenses.

Opex has a Structure

The distinction between Fixed Assets and Operating expenses is well documented. The structure of…


This is a general guide to post-pandemic business management.

The article on the elimination of redundancies made a salient comment that redundancies can never be eliminated, they can only be reduced. This was referring to the type of redundancies that you actually want to eliminate, even though you cannot. The use of the word redundancies, in this context, had connotations of inefficiencies.

There is yet another different type of redundancy that you should not eliminate. This redundancy should actually be built into a system. The role of redundancy is to strengthen the system. The redundancy is there to support the…


This is a general guide to post-pandemic business management.

The article on Talent Retention pointed out that automation has increased the need for talent retention by turning every other job into a high skilled job. That point was focusing on jobs that have been automated, and the skill level has been raised from a basic level to a level characteristic of experts and professionals.

A side note pertains to jobs that have not yet been automated or jobs that are not going to be automated soon enough. Those jobs, even though they are ordinary, have become demanding jobs. …


This is a general guide to post-pandemic business management.

Business models are evolving faster than ever before. Value propositions are at the forefront of the changes. Dissolving industry borders mean that customer segments are also undergoing changes. They are being redefined with new groups coming in, new segments being formed, and some old segments being dissolved into one giant segment.

All of these changes trigger and necessitate changes in the revenue streams. Failure to pay attention to triggers is failure to react. This type of failure can easily drive a business into extinction in the post-pandemic era. Businesses that fail…


This is a general guide to post-pandemic business management.

The way value is created and delivered is changing. As such the manner in which companies make money, that is, the business model is also changing. The post-pandemic business manager must be aware of this so as to shape the business model of his or her company accordingly. This is not an optional topic. It is mandatory. The business manager must understand the changes triggered and exacerbated by the pandemic.

Evolution is the process of undergoing change. Forced evolution refers to an evolutionary process that is set in motion by external…


This is a general guide to post-pandemic business management.

Talent has always been difficult to retain. The bar has just been set higher by the pandemic. Organizations, as we know them, are all about people. Even when processes are automated, we still need talented people to oversee those processes. Talent retention is moving from the periphery of being a desirable business attribute to being a necessary condition for business success.

Organizations strive hard to attract talent. This article is targeted at those organizations that manage to attract talent in the first place. …


This is a general guide to post-pandemic business management.

After a systems analysis, systems overview, and potential overhaul, which might lead to migrating to the cloud, and after integration of some of the systems using APIs, the business manager has to take up the task of revisiting business processes with a view to eliminating redundancies.

Even after integration, some processes will remain parallel to the integrated process when they are no longer needed. These processes and activities must be eliminated.

Redundant processes are an issue that flies under the radar in most organizations. It's insidious. In most instances, the business…


This is a general guide to post-pandemic business management; it is not a technical IT document.

If you have done your systems overview, or a system overhaul (if need be) and migrated most of your systems to the cloud, you will realize that most of these systems do not speak to each other. They are born that way. You need them to talk to each other, so you have to introduce them to each other, and teach them how to talk. That process is known as Systems Integration.

Some modern systems are born ready to talk to others. The ability…

Ryan Gosha

Financial Analyst, Cloud Accountant, Citizen Data Scientist, FPL Boss

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