Decision / Operating model
Scaling an existing programme
Is our approved position still valid at this volume?
Approval is granted against a picture of the programme at a moment in time. Volume, mix, geography and partner behaviour all move afterwards.
Continuous testing re-runs the live operating model so the institution learns that its position has drifted before someone else points it out.
Regulatory delta
What this decision tends to move
The delta is the difference between the institution's position today and its position if this decision were executed.
- Concentration
- How scale changes exposure.
- Controls
- Whether controls still hold at volume.
- State exposure
- Where growth created new scope.
- Governance
- What oversight scale now requires.
- Reporting
- What must now be reported.
Design space
Ways to reach the same commercial objective
Two configurations that achieve the same outcome frequently produce materially different regulatory deltas. Comparing them is how the decision is made.
Option 01
Scale as-is
Assumes the original position holds.
Option 02
Scale with structural changes
Adjusts the position deliberately.
Option 03
Cap and re-plan
Buys time to re-test.
Before committing
What management should establish first
- Which assumptions in the original approval no longer hold
- What would have to change before the next volume step
- How often the position should be re-tested
Common questions
Questions this page answers
How often should a live programme be re-tested?
Whenever the institution, the environment or the decision changes materially — which for growing programmes is more often than annually.
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