Bank-Internal Risk Rating Platform

Configure, maintain and deploy internal credit scoring and ratings models on a centralized platform.

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Internal Risk Ratings Platform

Implement internal models of any number and level complexity

Banks and Financial Institutions are investing significant resources in the development and validation of internal models to assess credit risk (e.g. to comply with IRB-Approaches).

With the Credit Risk Platform, banks and financial service providers can deploy and integrate internal models in a flexible, workflow-enabled, fully-auditable risk rating engine.

Overview

A Powerful, Centralized Platform to Implement Internal Risk Models

Flexibly Configure Internal Rating Models
  • Configure, test and document internal rating and scoring models with a graphical drag-and-drop editor
  • Seamlessly integrate existing code or logic implemented in technologies such as Python, Java, SAS
  • Integrated quality assurance and regression testing of models
  • Ability to handle complex computational and decision-making logic
  • Put the control over rating models in the hands of the business and risk management teams
Consistent and Streamlined Risk Rating Workflows
  • Powerful, user-friendly, web-based user interface to capture qualitative and quantitative risk factors
  • Role and group-based override and approval workflows
  • Dynamic rating search and task list management (e.g. time triggered, external data triggered)
  • Manage client hierarchies and assign ratings within client groups
Versioning and Model Governance
  • GIT-based central repository to store and manage all model versions
  • Tracking of all model changes (incl. timestamp, user id, changes)
  • Role-based and team-based security and r/w access control
  • Create branches and tag versions
  • Graphically compare model versions
  • Create new model releases and activate / deploy models for execution
Model Simulation and Portfolio Analytics
  • Simulate and evaluate model versions against historical rating data
  • Analyze the impact of model changes on a portfolio level (e.g. rating transition matrices)
  • Perform portfolio-level analytics using built-in and extensible reports and dashboards

Internal Ratings Platform

Implement and execute bank-internal credit scorecards and rating models.

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External Credit Scorecards

External credit scorecards for risk assessment across C&I lending portfolios.

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Credit Decisioning and Underwriting

Make faster and well-informed credit lending decisions.

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Credit Data Integration

Seamlessly integrate with third-party data providers for credit risk assessment and decisioning.

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Benefits

Regulatory Compliance

Comply with all regulatory requirements for systems hosting bank-internal rating models (e.g. for IRB-Approaches, IFRS9).

Centralized Platform

Host rating models of any number and type (e.g. PD, LGD) on a centralized platform.

Flexibility

Flexibly implement and maintain internal rating models using a no-code graphical rules editor.

Real-Time Deployments

Deploy and activate new or updated rating models in real-time without tedious IT implementation projects.

Gain Speed

Increase process consistencies and accelerate risk rating and credit risk assessment workflows.

Integrated Analytics

Simulate updated rating model versions against historic rating data and re-rate (sub)portfolios under stress test scenarios.


"We were looking for a robust and centralized platform to manage our internal rating models. "

James Berrecloth

Head of Risk Infrastructure, Santander UK

Success Stories

Centralized Credit Risk Rating Platform

Santander UK implements ACTICO Credit Risk Management Platform for the configuration and execution of bank-internal rating models.

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Credit risk assessment of corporate clients

VW FS uses the ACTICO Credit Risk Management Platform.

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Dual Risk Rating Platform at a Top10 U.S. Bank

Accurate, efficient and consistent credit risk rating workflows. Flexible rating model implementation while being audit proof and regulatory compliant.

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Contact

Discuss your questions with our experts.

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