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To automate the entire Internal Credit Rating process, Capital Charge, Limit Monitoring and Reporting.
Pain Points
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1
Lack of efficient customer credit Rating model.
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2
No Traceability & Central Rating maintenance of customers. Manual and random recording in excel files.
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3
Manual computation of Capital Charge resulting in time-consuming and inconsistent accuracy of reports.
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4
Difficult and cumbersome process to reconcile and validate the Capital Charge Report.
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5
No limit monitoring, increasing complexity to monitor the portfolio and aligning the portfolio with the policies laid down by management.
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6
Regulatory reports were Time Consuming and complicated manual processes and inefficient.
Solution Given
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1
CARE Risk - Kalypto/Credit – (Internal Ratings, Capital Charge, Limit Monitoring, Other Regulatory & MIS Reports)
Solution Highlights
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1
The system completely automated the rating process at the bank, stored in a centralized database accessible over the bank's intranet.
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2
Efficient user audit trail, controls, workflow, traceability, authorization and hierarchy approvals mapped as per bank's policies with exception handling.
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3
Fully configurable Reporting Engine which can be configured from the front-end by business users thus generating Risk-Based reports with drill-down feature till transaction level.
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4
Parametric Limit Monitoring Module which generated alerts and notifications for exception management, thus enabling the bank to effectively monitor the credit portfolio in line with policies formulated by management.
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5
The whole computation process is automated using a trigger-based approach.
Key Benefits
Benefits of the Case Study to help you understand our Product and reach of Services in a more convenient way
Case Studies
Banking
Corporate
Infrastructure
