Early Warning System

     

Early Warning System

Always-on to detect early warning signs of incipient credit fraud or stress

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Stay alert and efficient with EWS

The core philosophy of the Credit Risk suite is that risk needs to be monitored at all times and not just a point in time. At the heart of this is an Early Warning System or EWS that keeps eyes and ears open to early warning indicators, and helps bankers identify potential stress or fraud in borrower accounts much before the event of default (when it is too late).

Features

     

Automates monitoring

Maintaining borrower health by monitoring credit portfolios of retail and corporate borrowers at granular level

     

Integration capabilities

Has in-built capabilities to integrate to a wide range of systems using legacy methods (such as ETL, DB Link, Flat file upload etc.) or latest methods including APIs, streaming feeds etc

     

Python-based AI/ML modeling framework

Extensively uses Python for proprietary AI/ML based models to detect fraud patterns, minimize false positives and quantify risk through rule based scoring of customers. The python environment can be used to host bank’s internally developed models as well

     

Rule engine

Parameter-based EWI management, and pre-built library of 170 early warning indicators for early detection of risk

     

Data-driven insights

Different methods to help decision makers consume the insights generated, including workflows, reports, dashboards and notifications

     

Corrective action planning

Enabled using criticality-based traffic light approach for taking timely and targeted mitigating actions such as exposure reduction, account exit, collateral enhancement, etc

     

Modularized business services approach

Facilitates rapid phase-wise rollout and improved fault tolerance

     

Web and mobile based access

Access to a centrally deployed solution for easy monitoring of massive portfolios of corporate, SME and retail borrowers

Benefits

     

Improved asset quality

Through proactive and real-time identification of borrowers with incipient stress or potential loan frauds

     

Accelerated time to market

By way of a ready-to-deploy framework with pre-built connectors

     

Improved compliance

Through the identification of stressed accounts in line with regulatory norms (e.g. RBI, DFS for India)

     

Credit growth and profitability

Through a credit risk solution that brings in global best practices and meets the needs of credit risk managers

     

Helps maintain competitive advantage

Through a solution that allows scaling up credit risk capabilities on demand

     

Lower Total Cost of Ownership

Through a lightweight platform that requires minimal customization and supports cloud and on premise deployment

Brochures

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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.