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| Home : Products & Services : Analytics : Risk Analytics |
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| Risks are an inherent part of business in every industry while resources (time, personnel and money) are limited. On a daily basis, businesses have to choose where to direct their limited resources while managing risks and maximizing revenue. |
| Our Risk Analytics Solutions provide the ability to measure, manage and mitigate risk along with the customer lifecycle. Our implementation experience includes multiple industries in diverse economies globally. |
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Acquisition
| Our Application Scoring Models asses the risk of taking in the prospective customer based on the applicant's predicted likelihood of future default. This helps effectively filter customers and add only profitable customers to the customer-base. |
| Our Risk-based Pricing Models provide deeper insights into new customers and help formulate acquisition strategies through credit limit setting, charging higher services fees and devising risk-based pricing strategies. Solutions include MIS suite for monitoring early vintage accounts and swap set and sensitivity analysis around risk policies. |
Behavioral Scoring
| Behavioral Scoring predicts the risk or profitability of existing customers by using their credit history. We employ advanced statistical techniques that portray consistent and objective evaluations to forecast the payment pattern of your customers to predict their future default probability. |
| Our behavioral scoring models help: |
| Analyze every stage of the customer lifecycle |
| Predict payment behavior |
| Offer specific services to customers based on their affordability |
| Grade customers based on risk levels |
| Set suitable credit enhancement limits for customers |
| Prevent customer default payments |
Portfolio Monitoring
| Perform better by gaining deeper understanding of your customer base and comprehensively profile customer portfolio by looking at specific risks, how the different segments compare based on payment performance, and which segments are riskier versus which represent the best growth opportunities. |
| Our portfolio management offerings help: |
| Identify potential customers for extensions |
| Identify cross-sell and up-sell opportunities |
| Reduce delinquency and losses |
| Reduce collection expenses |
| Detect negative payment trends to help minimize overall portfolio risk |
Aggregate Risk Measurement
| Manage ongoing customer risk by segregating your retail portfolio into segments where the risk characteristic for one segment is distinct from that of other segments. This also enables an optimal segmentation of portfolio such that it entails lower capital computation. |
| Our solutions in this suite help: |
| Optimize resource allocation and recover the maximum amount of dollars from delinquent accounts |
| Predict the future cash inflow / revenue from various customers and product lines. |
| Optimize pricing |
| Effectively manage customer credit lines |
| Take proactive measures for customers in high risk segments to avoid delinquent behavior |
Basel II Analytics
| The International Committee on Banking Supervision (Basel Committee) issued the Basel II Accord to improve the risk management practices of the world's banks. This has resulted in the availability of an extensive amount of data. Analysis of this data can provide more accurate estimations of risk exposures for banks and the capital to be set aside to guard against the financial and operational risk due to these exposures. |
| Our Basel II solution consists of solutions for: |
| Computation of Probability of Default (PD) |
| Computation of Loss Given Default (LGD) |
| Computation of Exposure at Default (EAD) |
| Collection Scorecard development |
| In addition to our analytics solutions, we also provide Basel II compliance solutions utilizing bank's existing data which include: |
| Concentration Analysis |
| By Portfolio |
| By Segment |
| By Geography |
| By Counterparty |
| Loss Event Analysis |
| Internal operational loss event |
| Relevant external loss event |
| Scenario analysis |
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