rt360 Credit Risk Suite
Control credit risk and make smart financial decisions
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 risk 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 credit risk suite empowers lenders to manage credit risk 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
rt360 Credit Risk Suite offers a cloud-ready architecture tuned for on-premises, cloud, or hybrid deployments.
Case management
rt360 Credit Risk Suite is supported by DROOLS-based rule engine to route alerts/cases as per the institution’s escalation hierarchy for time bound closure.
Reporting capabilities
rt360 Credit Risk Suite offers best-in-standard reporting for management review and regulatory purposes.
Scalability
rt360 Credit Risk Suite is horizontally and vertically scalable to meet increase in volumes and users.
End-to-end automation
rt360 Credit Risk Suite offers automated data extraction through open APIs for internal and external data sources.
Key Functionalities
Single platform for actively managing credit lifecycle
Single platform for actively managing credit lifecycle
Functional decomposition
Functional decomposition
Flexible pricing
Flexible pricing
Highly modular
Highly modular
Single platform for actively managing credit lifecycle
Single platform for actively managing credit lifecycle
Functional decomposition
Functional decomposition
Flexible pricing
Flexible pricing
Highly modular
Highly modular
Groundbreaking technology
Groundbreaking technology
Plug-and-play interface
Plug-and-play interface
Benefits
Improved asset quality
Reduction in NPL/ECL provisions
Higher collection efficiency
Effective customer engagement
Focus on credit growth and profitability
Lowest TCO
Products
rt360 Credit Risk Suite
rt360 Early Warning System
rt360 RAROC Calculator
rt360 Collections Management System
rt360 Expected Credit Loss
rt360 Real Time Monitoring System
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 Nowrt360 Early Warning System
Stay alert, efficient and profitable by identifying credit risks proactively and leveraging end-to-end predictive analytics.
Download Nowrt360 RAROC Calculator
Ensure dynamic risk-based pricing and efficient capital allocation with focus on maximizing profitability and driving sustainable growth.
Download Nowrt360 Collections Management System
Identify credit risks proactively, collect more, economically and at an accelerated pace by leveraging state-of-the-art predictive analytics.
Download Nowrt360 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 Nowrt360 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 NowFrequently Asked Questions
In the lending industry, the latest strategies and practices for detecting and preventing fraud involve a blend of advanced analytics, machine learning, and real-time monitoring. Banks are increasingly employing sophisticated algorithms that analyze patterns and anomalies in application data, transaction histories, and behavioral biometrics to identify potential fraud early. This is integrated into credit monitoring systems, allowing for continuous assessment of credit risk and unusual activities indicative of fraud. Additionally, banks are adopting multi-layered verification processes, incorporating both physical (like biometrics) and behavioral analytics, to authenticate identities and assess risk more accurately. Combined with a strong culture of compliance and regular staff training, these advanced practices form a robust framework for fraud detection and prevention in credit risk management.
Moreover, rt360’s robust case management and superior reporting capabilities ensure timely resolution of alerts and adherence to regulatory standards. Its scalable infrastructure is designed to handle increasing volumes and users seamlessly. With flexible pricing and high modularity, banks can tailor the suite to their specific needs, preferences, and regulatory requirements, making rt360 a highly efficient and adaptable choice in credit risk management.