Conversations on Risk
Jaya Vaidhyanathan’s wishlist for Budget 2021 | Budget Wishlist
rt360 Product Suite
rt360 risk management product suite is built by BCT Digital, a division of Bahwan Cybertek.
Discover how our products can help you manage risks, improve growth and profitability.
rt360 Early Warning System
- Monitor credit
- Identify stressed accounts
- Reduce NPA
rt360 EWS is an AI-based predictive analytics product underpinned by powerful data analytics capabilities to proactively identify risks, enable faster recovery, assess future credit growth, increase collaterals, and reduce NPA – all while improving profitability.
rt360 RAROC Calculator
- Risk-based pricing
- Capital allocation
- Revenue analysis
The ‘rt360-RAROC Calculator’ is a product that enables risk-based pricing & capital allocation. The product aggregates data from disparate systems to help lending professionals accurately assess customer profitability.
rt360 Model Risk Management
- Model configuration & management
- Risk estimation
rt360 Model Risk Management enables organizations to focus on key business areas while minimizing the hassle of data aggregation, model development, model validation, regulatory reporting and model performance assessment.
rt360 Enterprise Risk Management
- Risk control & self assessment
- Key risk indicators
rt360 Enterprise Risk Management enables early identification and management of operational risks related to people, process, systems from both internal and external sources. The out of the box features comes with the Pillar I, Pillar II, Pillar III, and stress testing requirements of Basel-II and Basel-III guidelines.
rt360 Asset-Liability Management
- Liquidity risk management
- IRRB measurement
rt360 Asset Liability Management helps to monitor and report liquidity and Interest rate risks. It provides a platform to manage the balance between assets, liabilities and investment portfolio mix using business rules for parameter definition and ratio analysis.
rt360 Expected Credit Loss
- IFRS 9
- IND AS 109 Product suite
- Validation and Calibration
rt360 Expected Credit Loss helps to recognize expected change in credit risk and provide a framework to manage forward-looking credit loss. The product is designed to comply with the Indian regulations and specific nuances of Indian financial institutions.
The year that was, and key trends in 2021
Credit risk management continues to be critically important across financial institutions. In the last year, the top concerns faced by credit risk professionals has dramatically changed, owing to the economic downturn, COVID-19 pandemic and worldwide disruption. 2020 essentially turned the concept of credit risk management on its head. With perspectives changed forever, what’s to become of credit risk management in 2021?
Credit monitoring and preventive intervention with real-time Early Warning Systems
The large-scale disruption brought on by the new normal calls for financial institutions to exercise more caution when it comes to managing their lending activities. Technology-aided solutions, like the real-time Early Warning System developed by BCT Digital, are changing the game – by detecting systemic flaws and vulnerabilities, and upholding the sanctity of the credit management process. On a macro scale, these systems will be instrumental for FIs to build the systemic stability and competitive advantage needed to thrive in the new normal.
The struggle that banks face in combating credit risks is multi-dimensional. Foremost among them is determining the right capital allocation and pricing for different sources of their revenue.Read More
Oct 6, 2020
New Age Banking Summit conducted its 5th edition virtual event that explored new technologies and methodologies that can further accelerate the banking sector to new heights, with interactive panel discussions, focused sessions by industry experts sharing their insights and experience, and networking sessions with banking professionals.
Jaya Vaidhyanathan, CEO - BCT Digital presented the future of banking, innovation and digital delivery by imposing the necessity of digital transformation due to the banks adjusting to a new world order during this pandemic. Focus on the staying safe through this COVID-19; taking measures to manage risks in the aftermath of such black swan events; the way forward to Oman economy in the BFSI segment through credit risk mitigation case study of real-time early warning systems, IFRS9 and Expected Credit Loss solutions were the in-depth knowledge shared by Jaya Vaidhyanathan in the summit so as to bring the Oman’s banking industry at par with its counter parts across the globe.Read More
May 14 , 2020
BCT Digital’s experts Mr. Kasthuri Rangan Bhaskar, VP - Risk Management and Mr. Chandrakumar Natarajan - General Manager Sales shared their profound knowledge on 'Artificial Intelligence & Machine Learning' webinar, organized by Federation of Indian Chambers of Commerce & Industry (FICCI). Ms Jyoti Vij, Deputy Secretary General, FICCI opened the webinar by sharing welcome remarks. Further, to which an Overview and Brief remarks was delivered Mr. Sudhakar Ramasubramian, Chair, FICCI Fintech Committee and Chief Digital Officer, IndusInd Bank
Discussions were focused around how Machine Learning and Artificial Intelligence are transforming the banking and financial services sector and in taming volatility and market fluctuations. 50+ officials, viz. CROs, CEOs, CTOs, VPs, etc., from top banks were part of the session.Read More
Feb 20 – 21, 2020
Celebrating India’s Women Change-preneurs of Today and Rising Stars of Tomorrow. Women Entrepreneurship Summit & Awards (WESA), event focused on moving a step further from ‘empowerment’ and pursuing to acknowledge and enable women leaders & achievers who have opened up new opportunities for themselves & for others.
At this event, Jaya Vaidhyanathan was the panel speaker at WESA, wherein she highlighted some of the trends that will define the decade ahead and pointers that entrepreneurs must remember, especially from decoding technology viewpoint. She also highlighted the role of ‘sustainability’, and the need to contextualise it.Read More