technology_solutions > risk-management
Risk Management
Decision Platforms help the banks in integrating analytical models with key business processes to ensure that everyday decisions are taken based on scientific evidence to achieve superior business performance. We currently offer credit decision platforms that integrate rating and scoring models with the underwriting process for commercial and retail lending and risk management platforms to help banks achieve BASEL II compliance.
Solution Coverage
D&B provides comprehensive analytics solutions and services across customer life cycle to accurately predict risk, acquire and retain profitable customers, and identify the best market segments to lend.
Commercial Risk Rating and Credit Workflow Solution
D&B Sentinel is a comprehensive credit risk rating and credit workflow solution for commercial entities including large corporates, SMEs and HNIs. Banks can configure their existing internal rating models or leverage on D&B’s expert industry specific rating models built based on its global expertise, local knowledge and Basel guidelines. The solution enables capturing both financial and non-financial parameters and provides dual rating (obligor as well as facility)to arrive at final decision. The workflow module helps the bank in improving its credit assessment process efficiency and reducing processing time.
Retail Credit Scoring and Loan Origination Solution
D&B Tracer is a retail credit scoring and decision solution that integrates application and behavioral scores to provide automated credit decisions based on parameterized scoring models. These scoring models could be either your existing models or could be built by D&B based on statistical / hybrid approach based on data availability. The platform integrates seamlessly with internal systems and credit bureaus and facilitates easy and quick processing of credit applications, while enabling banks to accurately assess the risks involved.
Operational Risk Management Solution
D&B Operational Risk Analyzer (ORA) is a comprehensive solution designed for operational risk management in Banks in accordance with the Basel II recommendations. The solution assists in identifying, measuring, monitoring and mitigating operational risks while providing the necessary infrastructure to capture bank wide operational losses and compute operational risk capital under the standardized approach.
Highlights
Rating and Scoring Models
- D&B expert models available to jumpstart the internal rating.
- Continuous monitoring and recalibration of models as history builds up Automation of the Underwriting Process.
- Workflow driven solution for automation of the underwriting process.
- Seamless interface with upstream and downstream applications and third party databases MIS and Analytics.
- Comprehensive MIS and Analytics capabilities to aid decision making.
D&B Advantage
- Strong local market presence and Invaluable experience gained with multiple implementations across the region
- BASEL II compliant credit and operational risk decisioning products
- More than 10 expert industry models for corporate lending, specific to middle east region
- Consultation on statistical techniques to validate your credit rating model and for advanced capital modeling
- Stress and regression test to mitigate the impact of external events on credit portfolios and to ensure greater relevance and accuracy of the data and hypotheses used in rating models
- Flexible framework and workflow management
- Predictive Analytics and Credit Decision Management automates credit approval process for accurate decision making
- Customized retail decision making platform automates SME lending process and provides continuous model monitoring and improvement for a leading bank in UAE
