Credit Risk Management

A strong credit policy is the backbone of any lending or financing business. It ensures consistency, compliance, and risk mitigation across the credit lifecycle.

We design and implement customized credit policy frameworks that balance risk with growth, align with regulatory norms, and are scalable across geographies and customer segments.

We help fintechs, NBFCs, banks in Credit policy framework, credit risk monitoring & reporting.

In today’s competitive lending ecosystem, accurate risk assessment is key. Credit risk modelling uses statistical techniques and data analytics to evaluate default probability and loss potential.

We develop robust, data-driven models that give lenders a sharper view of borrower quality. Our models improve decision-making, optimize risk-adjusted returns, and support regulatory compliance.

Traditional credit assessments often exclude borrowers lacking formal financial histories. Alternative data such as utility payments, digital transactions, and behavioural insights bridges this gap.

We help businesses integrate alternative data into their Business Rule Engines (BRE), expanding credit reach and improving underwriting precision, especially for new-to-credit and underserved segments.

A holistic risk management framework ensures risks are identified, measured, monitored, and mitigated systematically.

We help institutions design and operationalize risk frameworks that cover governance, credit risk appetite, monitoring, and stress testing. Our solutions embed resilience into the lending process.

Products –

• Exposure at Default (EAD)
• Loss Given Default (LGD)
• Expected Credit Loss (ECL)
• Stress Testing on existing model etc.

Credit defaults rarely happen overnight, they are preceded by visible patterns and signals. Early Warning Systems capture these signals through financial, transactional, and behavioural data.

We implement advanced early warning mechanisms that give lenders the time and insight needed to act proactively, reducing NPA risks and safeguarding portfolios.

We have developed over 200 proprietary in-house algorithms that can be deployed as early warning signals.

• For Businesses – We build BRE-driven scorecards tailored to MSME profiles, helping brands/manufacturers to offer credit to their buyers.
• For Financing – For larger financing needs, we create advanced scorecards combining traditional and alternative data. This help automate approvals, shorten turnaround times, and strengthen portfolio quality.