We provide solutions, analytical tools and consulting in risk management for financial institutions by managing exposure to risks and protecting the value of assets.
RISK MANAGEMENT STRATEGY
We have designed and implemented risk management strategy and policies for multiple scheduled commercial banks in India including public sector banks and private sector banks, NBFCs and Housing Finance Companies as well as financial institutions in Africa and Sri Lanka.
FRAMEWORK, SOLUTIONS AND TOOLS
Our framework, solutions and tools in Credit Risk, Market Risk, Operational Risk and Risk Based Internal Audit are aimed at making our clients compliant with existing regulatory risk management guidelines, including IFRS9, Basel II and Basel III.
Our framework, solutions and tools
We support investors and lenders across banks, NBFCs, mutual funds, , insurance companies and other financial services, with
RISK MANAGEMENT CONSULTING, ANALYTICS AND RESEARCH
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We will assist your organisation with:
- Development/Review of Integrated Risk
- Management Framework
- Gap Analysis and Policy Reviews
- Statistical and Expert Judgement Model
- Development and Validation development and Computation
- RAROC, Stress Testing & Capital Computation
CREDIT RISK MANAGEMENT
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Our comprehensive Credit Risk Management (Internal Rating Solutions) is:
- Developed in-house and updated with latest regulatory requirements, continuously
- Trusted by leading banks and financial institutions globally
- Addresses the Identification, Assessment, Mitigation, Monitoring and Reporting needs
- Successfully installed in 15,000 branches of 15+ banks and financial institutions
- Effectively used to assess three million credit proposals across 20+ models
CREDIT, COMPLIANCE AND CONTROL
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We offer:
- Automation of the credit administration process
- Integration with banking systems
- Generation of proposal summary and creation of checklists, before disbursement
- Timely and customised alerts, post disbursement
- Exception-based reporting for management, auditors, and other stakeholders
- Detailed workflows with complete audit trails
EXPECTED CREDIT LOSS COMPUTATION
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We offer assistance in computing ECL for clients in two ways:
- Through consultancy services where we help our clients to compute ECL for their organisation
- Through the software iECL, which the clients can install and use to compute ECL for their business
BASEL II COMPLIANT INTERNAL RATING MODELS
- The solution is powered by Basel II compliant Internal rating models across different borrower segments like Large Corporate, Emerging Corporate, SME, NBFC, Retail, etc
- We follow a re-fresh cycle to validate and upgrade models including updation of contemporary benchmarks and evolving subjective parameters
- The organizational expertise and experience gleaned over the last 20 years is embedded in these models and makes them robust
INDUSTRY RISK SCORES
- These models contain an industry risk score that quantifies the risk associated with an industry
- An effective tool for comparison of industries for lending, counter-party risk, fund allocation etc
- Indian industry categorized into 140+ sectors and quarterly scores are generated based on analysis of micro and macro parameters, and our outlook of the sector
Our Solutions
iECL
Cloud-hosted IFRS 9/Ind AS 109 compliant ECL computation tool. Ideal for banks and NBFCs
INTERNAL RATING SOLUTIONS
Web-based & on-prem credit risk management tool. Comes with Basel II compliant internal rating models across 20+ borrower segments
C-CUBE
Credit Compliance and Control application. Automates the credit administration function in a financial institution