Comprehensive management of credit risk

Automatic analysis of credit risk

Thanks to advanced algorithms the system precisely analyses credit worthiness and estimates the risk of contracts for individual and corporate clients, taking into consideration both the credit record and current financial standing. The process is based on the criteria such as application and behavioural scoring, analysis of income and liabilities and risk rating. The system adjusts financing conditions on their basis, calculates EAPR precisely and proposes optimum repayment plans.

Monitoring of loans and analysis of liabilities

Effective risk management requires not only a precise evaluation when the loan is granted but also regular control over active liabilities of clients. Our solution makes it possible to have constant supervision over loans, to control repayment and to evaluate agreement and collateral conditions. Thanks to integration with internal bank registers and external databases such as BIK, KRD, MIG DZ (databases of debt, debtors and interbank business database), the system automatically analyses the client standing by identifying potential risks. This allows a faster response in case there is a threat of insolvency.

The tool supports the bank in contacts with its clients by making it possible to send reminders of payment and distributing information to the relevant departments.

Detecting fraud and better protection

Credit risk management also comprises protection against abuse and ensuring regulatory compliance. The System uses antifraud models to monitor transactions and to identify suspicious actions. If any anomalies are detected, the bank can react quickly and take preventive actions.

Advanced reporting tools

Our solution also ensures smart reporting which provides detailed data on the whole credit process. The bank gains access to risk trend analysis which makes it possible to respond quickly to market changes and to adjust the credit strategy to current needs. The reports comprise the status of applications as well as the analysis of causes of rejections and clients’ credit record which helps optimize the credit policy and increase decision efficiency.