Funding pressures OSB Group’s recent funding cost issues and guidance cuts indicate sensitivity to funding dynamics. This presents an opportunity to offer treasury optimization, alternative funding lines, or hedging solutions and partnerships to stabilize capital costs.

Intermediary Focus The majority of lending is originated through specialist intermediaries. There is potential to expand or optimize intermediary partnerships with value-add tools, faster underwriting, and enhanced BDM support to grow volume and streamline processes.

Sales Leadership New leadership in intermediary sales and distribution (Emily Hollands) signals strategic emphasis on sales integration and efficiency. This creates an opening for targeted consultative engagements around distribution strategy, product rationalization, and channel performance analytics.

Digital Enablement Retail savings and online/direct channels are key funding sources. Opportunities exist to propose digital onboarding enhancements, customer experience platforms, or automation to reduce costs and accelerate origination for savers and borrowers.

Growth through Specialties OSB’s niche focus in buy-to-let, development finance, bespoke lending, and asset finance points to cross-sell potential with suppliers of property tech, credit risk analytics, underwriting automation, and partner services aimed at specialist lending segments.