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Monitoring and Reporting

Credit analytics requires you to answer two fundamental questions
  1. How does your portfolio change over time?
  2. Does your model respond to these changes well?

Any monitoring solution should help you answer these two important questions.

Monitoring and Reporting

Credit analytics requires you to answer two fundamental questions

1. How does your portfolio change over time?

2. Does your model respond to these changes well?

Any monitoring solution should help you answer these two important questions.

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Monitoring changes in your portfolio

Is your portfolio behaving as expected, and are you equipped to make the right adjustments?  Our app-based monitoring solution allows you to customise the visualisations to suit the distinctive requirements of your business. It offers on-demand analytics, that enables you to respond quickly and gain a competitive edge. This includes:

Monitoring your default risk experience

Analysing changes in default risk can help inform new business appetite thresholds and growth strategy setting.

Monitoring your loss severity:

This is especially important to the collections team within your organisation.  Analysing the behaviour of non-performing customers provides valuable insight that can be used to reduce overall losses.

Profitability analytics

The insights derived here will help set revenue growth strategies from a credit perspective. Further, risk based pricing can help improve competitiveness and ensure that customers from various risk categories are treated fairly.

Monitoring your model’s ability to respond to portfolio changes

If your portfolio is changing, your model should be able to respond to these changes.  Our solution allows you to monitor the performance of your credit models through visual comparison of model results against portfolio movements.  This allows you to:

  • Understand the trends driving your portfolio performance
  • Anticipate changes in impairments and capital modelling throughout the year
  • Inform overlays on year-end financials
  • Be well prepared for audit year-end
  • Anticipate future model refinements

Reporting

IFRS 9 brings a layer of complexity that often hides answers in black boxes, and puts unnecessary pressure on decision-making capabilities.  Our reports extract the key information to help the recipient gain the right understanding.  It is tailored to the reader's specific needs and aims to bring simple answers to complex questions. In particular, we have found the automation of an analysis of change in impairments across reporting periods to be invaluable.