Automated and Software Risk Management Solutions

Decision-making unit in retail lending process (scoring, linit setting, customer categorisation)
Development of credit risk quantification models (internal rating and scoring models)
Automation of customer routing in Collection (automatic customer segmentation at early and late recovery stages)
Operational risk management system

Routing of retail loan applications
Standardised retail and corporate customer profiles transferred to all of the Bank’s systems, including risk management Siebel systems
Tracking corporate customers’ group structures, in particular identifying affiliation criteria, including links to retail customers
Feeding credit histories from credit bureaux into new applications entered in CRM

Routing of corporate loan/credit limit applications («Loan pipeline»)
Monitoring of corporate customers and transactions
Calculation of internal corporate credit ratings
Online gathering and storing data on overall counterpart, exposures, including financial market and retail lending operations. Automation of the Bank’s common limit catalogue
Control of limits, including structural limits and related authorities, control of regulatory ratios