rt360 Credit Risk Suite
Cloud-ready
Control credit risks and make smart financial decisions
Automate and streamline 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 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 suite empowers lenders to manage risks 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
Cloud-ready architecture tuned for on-premises, cloud, or hybrid deployments
Case management
Supported by DROOLS-based rule engine to route alerts/cases as per the institution’s escalation hierarchy for time-bound closure
Reporting capabilities
Best-in-standard reporting for management review and regulatory purposes
Scalability
Horizontally and vertically scalable to meet increase in volumes and users
End-to-end automation
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
Benefits
Improved asset quality
Risk bucketing and scoring
Targeted actions leading to faster collections and closures
Reduction in bad-debts
Reduction in NPL/ECL provisions
Proactive identification and management of Stage-I / Stage-II transitions
Higher collection efficiency
Centralized repository for follow-up and tracking
Close monitoring of collector efficiency
Effective customer engagement
Early nudging based on prioritized buckets self-cure identifications
Focus on credit growth and profitability
Improved productivity of resources due to automation of credit delivery
Enhanced accountability and operational efficiency
Enhanced payment and cash flow forecasting
Lowest TCO
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
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 Now
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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