rt360 Expected Credit Loss

Precisely estimate expected credit losses

Accurately estimate ECL and identify credit risks with rt360 Expected Credit Loss

Expected Credit Loss is a business-driven technology solution that enables banks to compute Expected Credit Loss as per regulatory guidelines, while addressing requirements such as PIT PD, and macro-economic factors.

Key Features

Estimates ECL

Computes 12 months’ ECL & Lifetime ECL Computes ECL for both fund-based and non-fund-based facilities

Estimates PD/LGD/EAD

Automate PD/LGD/EAD computation approaches based on the user’s choice of model Option to estimate PD/LGD/EAD at pool or individual exposure level using historical data

Computes Effective Interest Rate

Detailed cash flows for different types of financial instruments
Cash flow generations based on terms and conditions of contract (E.g.: fixed/floating rate, prepayment, drawdowns)

Perform validation and calibration

Automated validation of parameters as per RBI/Basel requirements through a pre-built library of tests

Dashboard and Reporting

Pre-built dashboards, reports for management reporting
User-defined portfolio for quick edits and regular updates

Benefits

Advanced capabilities

Proactive credit risk assessment and
monitoring

End-to-end automation

Automation of credit risk governance
processes

Accelerated Timelines

Faster time to achieve regulatory compliance and internal reporting

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

Download Now

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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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 cleantech solutions help enterprises optimize their core governance, risk, and compliance processes, enabling them to augment their positioning and go-to-market capabilities.