rt360 Early Warning System

Early detection of credit risks and defaults

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Detect early warning signals for efficient credit monitoring

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).

Key Features

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Automates monitoring

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Automates monitoring

Maintaining borrower health by monitoring credit portfolios of retail and corporate borrowers at granular level
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Integration capabilities

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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
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Python-based AI/ML modeling framework

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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
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Rule Engine

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Rule Engine

Parameter-based EWI management, and pre-built library of 170 early warning indicators for early detection of risk
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Data-driven insights

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Data-driven insights

Different methods to help decision makers consume the insights generated, including workflows, reports, dashboards and notifications
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Corrective action planning

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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
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Modularized business services approach

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Modularized business services approach

Facilitates rapid phase-wise rollout and improved fault tolerance
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Web and mobile based access

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Web and mobile based access

Access to a centrally deployed solution for easy monitoring of massive portfolios of corporate, SME and retail borrowers

Benefits

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

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

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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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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