Over the past decade, business intelligence has been revolutionized and now from the traditional
visualization, it has transformed to insightful data visualizations. We, at CARE Risk Solutions have developed
an indigenous platform which helps customer to make data driven decisions based on facts or information collected.
It helps the client's to automate their processes and mitigate their risk by:
Providing better insights about the customer behaviour, customer sentiments and due diligence
checks to ease their internal process.
Evaluating current risk & predict unseen risks on the borrower's portfolio.
Providing valuable insights and detailed analysis about the trend & pattern in the historical data. Process Automation & Recommending the changes required in process.
Helps to predict probability of default using predictive risk analytics
Within Basel capital regulation, financial institutions are required to estimates of probability of default, which is one of the key parameters that determines capital requirements. Inbuilt ensembled & deep learning models in the platforms are applied on the huge volume of customer data which the helps the bank to predict the categorical outcome for borrower's probability of loan default.
Simulate various scenarios to predict loan default
With use of machine learning models and availability of huge volume of data has helped the financial institutions to do scenarios analysis and simulate cases where they can estimate the expected change in borrower’s paying capabilities assuming specific changes in the values in key risk indicators (KRI) which provides insight into a customer’s risk position. KRI may include indicators such as current asset ratio, sentiment scores, statement of account, financial statement, credit score, etc.
Monitor & identify limit breach probability
Platform allows financial institutions to monitor credit limits at both client and portfolio levels from their activation through their entire lifecycle. With use of latest machine learning classification models & regression models, we help financial institutions to proactively analyze and monitors the limits across business segments and predict the possibility of limit breach.
Helps to monitor collateral portfolio in a pro-active manner
Valuations are relatively straightforward yet still involved exercises when similar collaterals in terms of hedonic variables transacted in the market close to the valuation date. Our platform has inbuilt multivariate component models for valuation analysis which enables the financial institutions to monitor & forecast its collateral value, starting from the credit initiation at proposal stage all the way through valuation, loan to value (LTV) and disposal in the event of default.
Inbuilt completely configurable Rating & Scoring Engine. Configurable Rating Workflow
Comprehensive Collateeral Management. Supports Concentration Analysis & Risk Based Pricing.
Extensive Limit Management, Utilization Analysis & Violation Reports.
Computation of Risk Adjusted Return on Capital (RAROC). Stress Testing & Model Validation
Calculation of Risk components such as PD, LGD, EAD, Expected Loss, Unexpected Loss, CVaR, Etc.
Comprehensive solution compatible with all three approaches i.e. Standardized, F-IRB & A-IRB
Blogs13TH MAY 2021
Covid II Credit Impact:
Infra Resilient, Industrials
A Mixed Bag
Assessment of Credit Quality
of rated entities for FY21
Smita Rajpurkar, Associate Director,
Get High Quality Research and Analysis
to make informed decisions
process to increase efficiency and productivity across
Kalypto/ECL (IAS 39, IFRS 7)
& FRA . SriLanka
the efficiency and productivity across
Kalypto / ECL and FRA
Kalypto / ECL and FRA
Leading Bank in India
efficient risk management and regulatory
Rating Report Automation based
on Natural Language Generation
Kalypto/LOS and CLM
Implementing Predictive Credit
process, Capital Charge, Limit Monitoring and
Ease of transition to IFRS companies with a set of high quality modelling techniques and flexible reporting capabilities.
IFRSThe rating process takes about two to three weeks, depending on the complexity of the assignment and the flow of information from the client.
Operational RiskThe rating process takes about two to three weeks, depending on the complexity of the assignment and the flow of information from the client.
Market RiskThe rating process takes about two to three weeks, depending on the complexity of the assignment and the flow of information from the client.
Loan OriginationThe rating process takes about two to three weeks, depending on the complexity of the assignment and the flow of information from the client.
Survey on impact of
state lockdowns on the