rt360 Credit Risk Suite

Control credit risks and make smart financial decisions

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Revolutionizing Credit Risk Management with rt360 credit risk suite

Lenders today are facing intense pressure to maintain healthy asset quality. To effectively monitor portfolios, manage collections and meet regulatory requirements, financial institutions must learn to leverage technology and advanced analytics. BCT Digital’s transformative rt360 Credit Risk Suite offers origination, risk-based pricing, credit and fraud monitoring, stress testing, and collection analytics, enabling lenders to manage their entire credit lifecycle in one place, providing tighter control over their asset book.

rt360 Credit Risk suite is powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools. The comprehensive suite empowers lenders to manage risks and efficiencies across the loan lifecycle, stay competitive and achieve sustainable growth.

Key Features


Risk Management as-a-Service

Enabled through modular microservices-based architecture, scalable and responsive UI (web & mobile)


Flexible deployment modes

Cloud-ready architecture tuned for on-premises, cloud, or hybrid deployments


Case management

Supported by DROOLS-based rule engine to route alerts/cases as per the institution’s escalation hierarchy for time bound closure


Reporting capabilities

Best-in-standard reporting for management review and regulatory purposes


Scalability

Horizontally and vertically scalable to meet increase in volumes and users


End-to-end automation

Automated data extraction through open APIs for internal and external data sources

Key Functionalities

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Single platform for actively managing credit lifecycle

Single platform for actively managing credit lifecycle

Not just at the time of underwriting but throughout the lifecycle of the loan, from origination and pricing to monitoring, stress testing, collections and recovery. Saves time and effort on integration costs and multi-vendor interactions
compliance management

Functional decomposition

Functional decomposition

Gives financial institutions flexibility to add or drop services steadily with no disruption or risks to existing business services
raroc calculator

Flexible pricing

Flexible pricing

Both capex and opex models, depending on financial institutions preferences
enterprise risk management

Highly modular

Highly modular

Allows financial institutions to select services as per risk appetite, management priorities, regulatory guidelines, technology readiness, and so on
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Single platform for actively managing credit lifecycle

28444

Single platform for actively managing credit lifecycle

Not just at the time of underwriting but throughout the lifecycle of the loan, from origination and pricing to monitoring, stress testing, collections and recovery. Saves time and effort on integration costs and multi-vendor interactions
28446

Functional decomposition

28446

Functional decomposition

Gives financial institutions flexibility to add or drop services steadily with no disruption or risks to existing business services
28447

Flexible pricing

28447

Flexible pricing

Both capex and opex models, depending on financial institutions preferences
28448

Highly modular

28448

Highly modular

Allows financial institutions to select services as per risk appetite, management priorities, regulatory guidelines, technology readiness, and so on

Benefits

Improved asset quality
Proactive identification of stressed accounts
Risk bucketing and scoring
Targeted actions leading to faster collections and closures
Reduction in bad-debts
Reduction in NPL/ECL provisions
Reduction in ECL, loan loss provision and capital requirements
Proactive identification and management of Stage-I / Stage-II transitions
asset liability management
Higher collection efficiency
Streamlined collection processes through automation
Centralized repository for follow-up and tracking
Close monitoring of collector efficiency
asset liability management
Effective customer engagement
Personalized customer communications
Early nudging based on prioritized buckets self-cure identifications

credit-and-grow
Focus on credit growth and profitability
Right allocation of capital at the right pricing
Improved productivity of resources due to automation of credit delivery
Enhanced accountability and operational efficiency
Enhanced payment and cash flow forecasting
compliance management
Lowest TCO
Modular architecture for phased deployment
Flexible modes of deployment and pricing






Products

rt360 Credit Risk Suite​

A transformative product suite powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools

rt360 Early Warning System

Comprehensive, always-on early warning indicators powered by AI/ML to help bankers identify potential default, stress or fraud 

rt360 RAROC Calculator

Accurately assess customer profitability while making credit pricing decisions for RAROC calculation thereby increasing credit growth

rt360 Collections Management System

Unlock your full collection potential and increase resolution rates cost effectively with advanced AI/ML technology that underpins a robust collections strategy

rt360 Expected Credit Loss

Compute Expected Credit Loss as per regulatory, IND AS 109 guidelines, while addressing requirements such as PIT PD, and macro-economic factors

rt360 Real Time Monitoring System

Enhance fraud detection and prevention with real-time monitoring, and facilitate proactive and preemptive actions

Brochures

rt360 Credit Risk Suite

Get sustainable growth and maximized profitability powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools

Download Now

rt360 Early Warning System

Stay alert, efficient and profitable by identifying credit risks proactively and leveraging end-to-end predictive analytics

Download Now

rt360 RAROC Calculator

Ensure dynamic risk-based pricing and efficient capital allocation with focus on maximizing profitability and driving sustainable growth

Download Now

rt360 Collections Management System

Identify credit risks proactively, collect more, economically and at an accelerated pace by leveraging state-of-the-art predictive analytics

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rt360 Expected Credit Loss

Recognize expected change in credit risk and onboard a framework to manage forward-looking credit loss. Adopt proven, scientific methods for computing credit losses

Download Now

rt360 Real Time Monitoring System

Prevent frauds, monitor high-value, high-risk financial transactions in real/near-real-time. Get timely alerts that facilitate proactive and preemptive follow-up actions.

Download Now
risk management suite
BCT Digital’s rt360 risk management product suite transforms the world’s leading enterprises, drawing on the strengths of next-generation technologies, sophisticated AI/ML models, data-driven algorithms, and predictive analytics. Its revolutionary Fintech, Regtech, and SustainTech solutions help enterprises optimize their core governance, risk, and compliance processes, enabling them to augment their positioning and go-to-market capabilities.

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