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
In house development of
- 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