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AnyBank - CRM - Evaluating risk of your existing Customer Portfolio

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Credit Risk Management is the process of systematically anaylysing the information provided by the customer and those gleaned from other sources to build a Risk Profile to determine the risk exposure of the institution so that appropriate provisioning can be made in the books of accounts

AB CAPS has a rule repository that work on the following attributes of a potential customer

  • Identity proof attributes
  • Nature of business activity
  • Location
  • Payment modes used by the person or company
  • Turnover volume
  • Financial Status

In addition to these attributes AB-CAPS has a rich repository of rules that incorporate KYC Norms, Anti Money Laundering (AML), Prevention of Money Laundering (PML) standards, FATF recommendations, UN Security Council List to develop the risk profile of a potential customer and arrive at a risk categorisation. The risk engine is intelligent to identify potential customer who exhibit transient conditions in their behaviour.

The risk categorisation is then presented at the Underwriting stage to determine the appropriate pricing of the loan or advance or decline the facility altogether

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