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

Credit Risk Management Solution: IRS

  • 15,000+ live bank branch installations
  • More than 30,000,000 credit proposals already processed across 20 + models
  • Addresses credit risk identification, assessment, mitigation, monitoring and reporting needs for banks
  • Software design crystallised from strong domain

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

Operational Risk Management Software (IORMS)

  • A one-point solution to automate all activities pertaining to ORM in a Bank/FI
  • Complies with the Basel II (BIA, TSA and AMA compliant) & RBI guidelines on ORM
  • Capability to generate various types of Management Dashboards and reports
  • Replaces the existing spreadsheets and paperwork, resulting in significant (TAT) Turn Around Time reduction

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

Expected Credit Loss Calculator

  • Timely recognition of expected credit losses, under International Financial Reporting Standards (IFRS9)
  • Standardizes the computation process as rules are pre-defined and no manual intervention required
  • Capability to interact with different IT systems to collect data required for computing PD, LGD, EAD and EIR

Automation of Credit Administration Process(C-Cube)

  • C-Cube helps automate the entire credit administration process, across the various stages
  • Significant cost reduction & from intensive documentation
  • Proposal snapshot and checklist before disbursement
  • Splitting of workflows and assigning specific workflows to specific disbursement tranches