rt360 Credit Risk Suite

Control credit risk 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 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

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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
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Flexible pricing

Flexible pricing

Both capex and opex models, depending on financial institutions preferences
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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

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Single platform for actively managing credit lifecycle

Saves time and effort on integration costs and multi-vendor interactions, 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.
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Functional decomposition

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Functional decomposition

rt360 Credit Risk Suite gives financial institutions flexibility to add or drop services steadily with no disruption or risks to existing business services.
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Flexible pricing

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Flexible pricing

rt360 Credit Risk Suite is available in both capex and opex models, depending on financial institutions’ preferences.
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Highly modular

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Highly modular

rt360 Credit Risk Suite allows financial institutions to select services as per risk appetite, management priorities, regulatory guidelines, technology readiness, and so on.
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Groundbreaking technology

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Groundbreaking technology

Microservices, AI/ML, automation, and cloud capabilities drive cost-effectiveness and seamless integration with existing systems to ensure low bug rates, high resilience and uptime.
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Plug-and-play interface

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Plug-and-play interface

Requires minimal adaptation, supports single-click deployment and comprehensive issue tracking, enabling tangible outcomes such as high fault tolerance and scalability.

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.

Higher collection efficiency
Higher collection efficiency
Streamlined collection processes through automation. Centralized repository for follow-up and tracking. Close monitoring of collector efficiency.
Effective customer engagement
Effective customer engagement
Personalized customer communications. Early nudging based on prioritized buckets self-cure identifications.


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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.

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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.

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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.

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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.

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Frequently Asked Questions

Credit risk monitoring is a crucial process used primarily to keep a close eye on the potential risk associated with lending. It’s a part of credit risk management, which involves identifying, assessing, and managing the likelihood that borrowers might fail to meet their financial obligations. In essence, credit monitoring helps them track and evaluate the financial health of their customers, ensuring that they’re capable of repaying their debts. This proactive approach helps banks mitigate losses, maintain financial stability, and make informed lending decisions, thereby protecting both their interests and those of their customers.
The rt360 Credit Risk Suite elevates credit monitoring with its superior technological features, including open APIs and cloud-readiness, and flawless integration with systems. rt360 effortlessly melds with existing business systems and applications, enhancing its capacity to aggregate and analyze data from various sources. This integration facilitates efficient data synchronization and real-time analytics, significantly boosting the credit risk monitoring and decision-making processes. By utilizing the sophisticated functionalities offered by rt360, banks can embrace a more agile and proactive approach to credit risk management, ensuring robust system integrity and seamless operational continuity.
Managing credit risk presents several common challenges to banks. One primary issue is the dynamic nature of credit risk itself, which can fluctuate due to economic shifts, market volatility, or changes in a borrower’s financial status. This makes effective credit monitoring crucial yet complex. Additionally, banks often grapple with ensuring the accuracy and timeliness of data, which is essential for reliable risk assessments. Another significant challenge lies in adhering to ever-evolving regulatory requirements, which demand robust compliance and reporting mechanisms. Balancing the need for rigorous credit risk management with the desire to provide competitive lending services adds another layer of complexity. Together, these challenges require banks to employ sophisticated, adaptive strategies and tools to maintain a proactive and efficient approach to credit risk management.
The rt360 Credit Risk Suite stands out for its advanced, modular architecture, offering a scalable and responsive solution for credit monitoring. Its flexible deployment across on-premises, cloud, or hybrid systems, coupled with an intuitive UI for both web and mobile, allows banks to adapt swiftly to changing risk landscapes. End-to-end automation, powered by open APIs, streamlines the entire credit lifecycle management, from origination to recovery, enhancing efficiency and decision-making. 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.

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.

Yes, rt360’s advanced machine learning capabilities can help banks with credit risk monitoring and fraud detection. For more insights on this topic, read our blog on Machine Learning and Credit Fraud Detection
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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rt360 product suite