rt360 Credit Risk Suite
Cloud-ready
Holistically observes borrowers at different check points over the loan lifecycle, rather than taking a point-in-time approach.
Enabling the roadmap to a healthy asset book
Financial institutions across the globe are rapidly adopting a technology-led approach. Digital enablers are helping them enhance their reach and achieve better financial inclusion for the underserved segments of the economy.
Today, technology-enabled digital lending channels, such as internet sites, ecommerce platforms, fintech companies & lending apps, are widely used to select and deliver loan products to the customers; for instance, automated scorecards to approve/reject home loans. They come with numerous advantages, like short turn-around times and wider reach, thereby helping financial institutions to rapidly expand the book-size while keeping the cost of acquisition low.
This has led to a surge in digital transactions, calling for changes to the way we approach credit risk today.
Key Features
Risk Management as a Service
Enabled through state-of-art microservices architecture
Flexible deployment modes
Cloud-ready architecture tuned for on-premise/cloud/hybrid models
Case Management
Supported by DROOLS-based rule engine to route alerts/cases as per the escalation hierarchy of the bank for time bound closure
Mobile Enablement
Compatible with standard mobile formats for Android and iOS across form factors
Reporting capabilities
Best-in-standard reporting for management review & regulatory purposes
Scalability
Horizontally and vertically scalable to meet increase in volumes and users
Key Functionalities
Single platform for actively managing credit risk
Single platform for actively managing credit risk
Saves time and effort on integration costs and multi-vendor interactions.
Functional decomposition gives financial institutions flexibility
Functional decomposition gives financial institutions flexibility
No disruption or risks to existing business services .
Flexible pricing models
Flexible pricing models
Highly modular, allowing financial institutions to select services as per:
Highly modular, allowing financial institutions to select services as per:
Regulatory guidelines, technology readiness, and so on.
Benefits
High volumes of transactions
Requirement of real time monitoring
Sophisticated digital frauds
Need for newer sources of borrower information
Products
rt360 Early Warning System
Always-on to detect early warning signs of incipient credit fraud or stress
rt360 RAROC Calculator
rt360 RAROC Calculator is a product that enables risk-based pricing & capital allocation.
rt360 Expected Credit Loss
rt360 Expected Credit Loss is an integral part of the IND AS 109 product suite that helps bank assess any significant increase in credit risk
Brochures
rt360 Early Warning System
Identify credit risks proactively leveraging end-to-end predictive analytics.
Download Nowrt360 RAROC Calculator
As you focus on credit growth for your bank, capital allocation and pricing is critical to maximizing profitability and driving sustainable growth.
Download Nowrt360 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.
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