Credit risk assessment systems
Credit risk assessment systems
Credit risk assessment systems are automated platforms that provide scoring, credit analysis, decision making and credit portfolio management at all stages of the credit cycle. They are critical to minimizing losses, speeding up approval processes and meeting regulatory requirements.
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Modern credit risk assessment systems cover the entire process - from application to monitoring and restructuring. They provide risk assessment based on internal and external information, historical data, behavioral patterns and scoring models.
Key functions:
- Automated scoring of individuals and legal entities based on internal and external information (CIB, CB, partners);
- Credit limit, borrower class and default probability (PD, LGD, EAD);
- Support for internal and external models (statistical and AI/ML);
- Support for automatic decisions (approve/decline/for manual verification);
- Integration with frontends, CRM, ABS, BI and DWH;
- Credit portfolio analysis, risk segmentation, NPL control;
- Post-credit monitoring, triggers, restructuring.
Who works with the system within the bank:
- Credit committee / lending department
- Risk management
- Scoring and analytical teams
- Digital and product teams
- IT and solution architects
System owners:
- Chief Risk Officer (CRO) - key owner of the process
- Head of the credit department
- CIO/CTO - technological support, integrations and security
What strategic objectives do the proposed solutions solve
Provides fast, objective and scalable credit decision making
This allows you to increase lending volumes without compromising on portfolio quality.
Reduces delinquency and potential losses through accurate risk assessment models
Decisions are made based on data, not intuition or human factors.
Ensures compliance with international risk assessment requirements (IFRS 9, Basel III)
This is critical for sustainability and regulatory transparency.
Make working with documents simpler and faster
Who are the solutions suitable for?
Results after solution implementation
Reduce the time it takes to review credit applications from days to minutes while reducing the level of risk.
Improving the quality of the loan portfolio and reducing the share of non-performing assets (NPL).
Improving the transparency and manageability of the credit process through a centralized approach to risk assessment and monitoring.
Processes are optimized, routine operations are automated, and employees have more time for truly valuable tasks.
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FINEEO CS
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Fineeo — международная финтех-компания с более чем 17-летним опытом разработки решений для цифровой трансформации финансовых институтов. Мы специализируемся на создании гибких, масштабируемых и безопасных low-code платформ, которые помогают банкам, МФО, платёжным системам и другим финансовым организациям адаптироваться к современным требованиям рынка.
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BRB
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Biznes Rivoj Bansystems — инновационная компания, специализирующаяся на разработке IT-решений для финансового сектора. Мы автоматизируем бизнес-процессы, повышаем эффективность операций и помогаем банкам уверенно двигаться в будущее.
Лапы Хвост и Уши
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SAMARALI
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Разработка и внедрение инновационных IT-решений для бизнеса. Описание: Компания предоставляет услуги по разработке программного обеспечения, интеграции корпоративных систем и цифровой трансформации. Ключевые направления — автоматизация бизнес-процессов, внедрение CRM и ERP, создание веб- и мобильных приложений. Целевая аудитория — банки, розничные сети, логистические компании. Опыт работы с международными клиентами более 5 лет.
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