Early Warning System

 

rt360 Early Warning System

The ‘rt360-EWS’ is an AI-based predictive analytics product built for managing credit risk as per global regulatory standards.

Meet The Experts

EWS is underpinned by a powerful engine that ingests thousands of data points from both internal and external sources, and analyses it for early identification of risk. This helps the bank to build a recovery plan, review further loans, increase collaterals, and take steps to reduce NPA and improve profitability.

Features

 

Web-based access for easy monitoring of massive portfolios of Corporate and Retail borrowers

 

Automates monitoring of retail/corporate borrower health by monitoring credit portfolios at varying levels of granularity such as portfolio, industry, group, customer, and individual facilities

 

Rule Engine for parameter based EWI management

 

Connectors for different source systems and strategic alliances with external data providers (for instance, credit bureau, RoC, Wilful Defaulters list, etc.) to enable shorter integration cycles and faster time to market

 

Pre-built library of 170 Early Warning Indicators (EWI) for the identification of incipient stress, weakness, credit fraud, and probable NPAs in borrower accounts

 

Digital portfolio dashboard for quick analysis and monitoring of risks by industry, group, client, and product

 

Risk and analytics scoring based on the modeling capabilities of the solution, that allow hosting of EWS scorecards (statistical and non-statistical) for rating exposures on a risk scale

 

Enables corrective action planning using a traffic light approach for taking timely mitigating actions such as exposure reduction, account exit, collateral enhancement, and more

Benefits

 

Improved asset quality through proactive faster and accurate identification of clients with incipient stress and/ or potential loan frauds

 

Improved regulatory compliance through the identification of Red Flagged Accounts (RFA) in line with RBI norms

 

Most exhaustive library of alerts complying with Department of Financial Services (DFS) / (EASE) norms

 

Accelerated time to market by way of a ready to deploy framework with pre-built connectors

Brochures

rt360 Early Warning System

Identify credit risks proactively leveraging end-to-end predictive analytics

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rt360 Enterprise Risk Management

As technology and new business models evolve, you need to cope with risks arising from multiple facets of banking operations.

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rt360 Model Risk Management

Global regulators in recent times have paid an increasing attention to managing risks arising from extensive use of models in decision making.

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rt360 Asset Liability Management

Growing regulatory mandates by the Bank of International Settlements’ (BIS) demand automated systems for robust asset-liability management.

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rt360 RAROC Calculator

As you focus on credit growth for your bank, capital allocation and pricing is critical to maximizing profitability and driving sustainable growth

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rt360 Expected Credit Loss

With the introduction of the global International Financial Reporting Standards-9 (IFRS 9) and its equivalent Indian Accounting Standards (IND AS) 109, financial institutions are adopting scientific methods for computing credit losses.

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rt360 is a risk management product suite to manage the entire risk portfolio of banks and financial institutions that includes credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk.

rt360 is designed by bankers, risk practitioners and technology specialists with a Business First, Technology Next approach, empowering banks and financial institutions to focus on their credit growth and profitability while managing their risks. The product is fully designed and made in India to address the complexities of the financial sector globally. The suite comprises of five distinct products to manage each of the risk portfolio.