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).



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



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


rt360 Early Warning System

Identify credit risks proactively leveraging end-to-end predictive analytics

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rt360 Enterprise Risk Management

As technology and new business models evolve, you need to cope with risks arising from multiple facets of banking operations.

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Global regulators in recent times have paid an increasing attention to managing risks arising from extensive use of models in decision making.

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Growing regulatory mandates by the Bank of International Settlements’ (BIS) demand automated systems for robust asset-liability management.

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rt360 RAROC Calculator

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rt360 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.