rt360 Early Warning System

Ensure a healthy portfolio through early detection of credit risks

Request a Demo      Download Brochure
rt360 Credit Risk Suite
rt360 Expected Credit Loss
rt360 RAROC Calculator
rt360 Collections Management System
rt360 Real Time Monitoring System
image
image

Early Warning System in banks and financial institutions 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 early warning signals related to potential stress or fraud in borrower accounts much before the event of default – by when it is too late.

BCT Digital’s rt360 Early Warning System is a technology-enabled platform that identifies stress signals in financial accounts and warns banks and financial institutions early in the credit risk cycle. The rt360 Early Warning System offers comprehensive, always-on monitoring capabilities, leveraging advanced AI and machine learning technologies to provide bankers with critical early warning signals. By integrating this product, financial institutions can proactively manage risks, safeguard assets, and ensure financial stability.

Over 17 lakh accounts monitored! Explore how India’s leading development bank secured savings of more than US $2 billion through rt360 Early Warning System.

Access case study

Key Features

6242

Automates monitoring

6242

Automates monitoring

rt360 Early Warning System helps maintain borrower health by monitoring credit portfolios of retail and corporate borrowers at a granular level.
10657

Integration capabilities

10657

Integration capabilities

rt360 Early Warning System 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 and so on.
6246

Python-based AI/ML modeling framework

6246

Python-based AI/ML modeling framework

The product extensively uses Python for proprietary AI/ML based models to detect early warning signals in credit monitoring and fraud patterns, minimize false positives and quantify risk through rule-based scoring of customers. The Python environment can be used to host banks’ internally developed models as well.
6249

Rule engine

6249

Rule engine

rt360 Early Warning System offers parameter-based EWI management, and pre-built library of 170 early warning indicators for early detection of risk.
6245

Data-driven insights

6245

Data-driven insights

Using different methods, rt360 Early Warning System helps decision makers consume the insights generated, including workflows, reports, dashboards and notifications.
6251

Corrective action planning

6251

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, and so on.
6244

Modularized business services approach

6244

Modularized business services approach

rt360 Early Warning System facilitates rapid phase-wise rollout and improved fault tolerance.
6248

Web and mobile based access

6248

Web and mobile based access

rt360 Early Warning System provides access to a centrally deployed solution for easy monitoring of massive portfolios of corporate, SME and retail borrowers.

Access our success story of how rt360 Early Warning System strengthened the credit portfolio of a major nationalized bank and enabled 100% compliance with RBI & DFS mandates.

Read now

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.
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.
Read More

rt360 Early Warning System

Comprehensive, always-on early warning indicators powered by AI/ML to help bankers identify potential default, stress or fraud.

Read More

rt360 RAROC Calculator

Accurately assess customer profitability while making credit pricing decisions for RAROC calculation thereby increasing credit growth.
Read More

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.
Read More

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.
Read More

rt360 Real Time Monitoring System

Enhance fraud detection and prevention with real-time monitoring, and facilitate proactive and preemptive actions.

Read More

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 Now

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.

Download Now

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.

Download Now

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 Now

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.

Download Now

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.

Download Now

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.

Download Now

Frequently Asked Questions

An Early Warning System acts as an integral enabler for banks and financial institutions to manage risks, especially in the context of credit monitoring and controlling non-performing assets (NPAs) and non-performing loans (NPLs). It utilizes predictive analytics to identify early warning signals in credit monitoring, allowing institutions to take proactive measures before exposures escalate. This preemptive approach not only aids in maintaining financial stability but also ensures regulatory compliance and operational efficiency. By detecting early signs of credit risks, an Early Warning System enables banks to mitigate risks associated with loan defaults, ultimately protecting their bottom line and enhancing decision-making processes.
An Early Warning System significantly enhances decision-making by providing timely insights into early warning signals in credit monitoring and changes in the financial health of borrowers. This real-time analysis aids in identifying non-performing loans and assets ahead of time, allowing financial leaders to make informed strategic decisions on credit policies, loan restructuring, and recovery. The foresight offered by an Early Warning System enables institutions to adjust their risk appetite and credit management practices accordingly, ensuring a more robust and agile decision-making framework.
When selecting an Early Warning System, you need to prioritize features that enhance its ability to identify and flag early warning signals in credit monitoring and manage non-performing assets and non-performing loans. Modern-day Early Warning Systems include essential features like advanced analytics for predictive risk assessment, integration capabilities with existing banking systems, and flexible alert mechanisms configured to specific risk thresholds. Additionally, the ability to provide comprehensive insights into various types of risks, including credit, market, and operational risks, is crucial. A user-friendly interface and customizable dashboards for different user roles can further enable teams to monitor and act on early warning signals effectively, facilitating a proactive approach to risk management.
To evaluate the scalability and adaptability of the rt360 Early Warning System, focus on its ability to handle growing volumes of data and quickly adapt to changes in the rapidly changing financial landscape. You can speak to our experts to understand how the rt360 EWS efficiently processes and analyzes increasing amounts of transactional data and early warning signals in credit monitoring. Its adaptability can be gauged by its unmatched capability to incorporate emerging risk and regulatory factors into its analytical framework. The rt360 EWS also offers flexibility in customizing risk parameters and integrating new modules or data sources, ensuring that it scales with your organization’s growth and demands.
To assess the reliability and accuracy of the real-time, cloud-ready rt360 Early Warning System, you could examine its track record in identifying early warning signals and flagging key indicators related to non-performing assets and non-performing loans. Our experts can walk you through the numerous successful integrations of rt360 EWS with existing banking systems, showcasing seamless data exchange and compatibility. You can also gain an in-depth perspective on its effectiveness in generating accurate, timely alerts based on data-drive analytics by analysing multi-source data. Connect with our experts to learn more about how the rt360 EWS can effectively integrate with your organization’s IT landscape and deliver real-time predictions to enhance your risk management strategy.
View all
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.

Let's Connect

  Contact Us
  Feedback