Credit Risk Services

Amidst an evolving regulatory landscape and uncertainty in the macro-economic and geopolitical environment, financial institutions worldwide are always looking to sharpen credit risk management. Equipped with more than two decades of experience in credit risk, Crisil plays a pivotal role in empowering banks and financial institutions to strengthen their credit risk practices spanning the three lines of defense. Additionally, we enable the best possible outcomes for our clients in their credit risk transformation journey, with our suite of AI and automation-led tools and accelerators.

Crisil is backed by an unmatched talent pool of specialists having robust credit risk domain knowledge coupled with a strong understanding of evolving regulatory guidelines.

40+

Over 10,000 credit memos executed annually, for 40+ global and regional banking clients

500K

More than 500K EWI triggers evaluated to ascertain red flags, supplemented with alerts on covenant headroom deterioration for quick actioning

15000

Over 15,000 facilities tracked and updated for periodic covenant monitoring

100

Over 100 sustainability analysts from various delivery centers globally provide support for multiple banks, asset managers, and corporates

20+

20+ regulatory actions, MRAs and consent orders actioned

5+

5+ financial institutions supported for end-to-end data management or large-scale credit risk data remediation

Our solution components

Credit Underwriting & Assessments

Enabling swifter decisions with adept credit assessments

Our choice of off-the-shelf and tailored credit risk solutions including sound policies and process advisory, underwriting and credit memos lead to improved lending practices and superior credit risk management

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Credit Portfolio Monitoring

Proactive monitoring for safeguarding portfolio resilience

We provide multiple levers for timely detection of stress in credit quality, including covenant and collateral monitoring, active surveillance, sector risk assessment and portfolio analytics

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Loan Review & Quality Assurance

Strengthening the control environment for maintaining sanctity of credit processes

Our solutions across quality assurance/loan review and controls design and testing enable banks to effectively establish a strong oversight function and comply with regulatory asks

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ESG Integration

Reshaping the future of ESG integration into banks' core credit risk strategies

We provide solutions to integrate ESG factors into credit risk management, enabling banks to better assess and mitigate ESG risks associated with lending

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Credit Transformation

Navigating innovation across the e2e credit risk value chain

We partner with banks to transform their credit risk function, including Target Operating Model design and implementation, encompassing policies, processes, data and systems

AI & Automation

Reinventing credit risk solutions with AI-powered accelerators

We offer tech-enabled solutions that automate workflow pockets within the credit lifecycle, including Gen AI, automated financial spreading and an early warning system

Crisil Advantage

Unmatched talent pool of specialists

We have 1,000+ credit analysts and 150+ sector specialists, with in-depth knowledge of credit risk and lending procedures, strong understanding of regulatory nuances, good working knowledge of credit and loan platforms/tools, and high analytical acumen

Best fit solution to optimize costs

We provide tailored and flexible operating models, implementing industry best practices, to unlock maximum operational efficiencies and deliver cost savings

Strategically located delivery centers to support across time zones

Well spread and bespoke team mix to align with clients' global portfolio coverage requirements - offshore /onshore /near-shore teams, having multilingual capabilities

Strong expertise across the e2e credit and lending lifecycle

We are well-equipped with more than two decades of experience in working with global and regional financial institutions across the three lines of defense, spanning diverse product portfolios

The problems we solve

Research

Credit
Monitoring

Case Studies

Empowering a Top 15 G-SIB: Enhanced Risk Monitoring in Leveraged Finance and Counterparty Credit workstreams with Crisl

Origination and Underwriting

Case Studies

Boosting credit evaluation efficiency of a leading European bank

Credit
Monitoring

Case Studies

Provided end-to-end credit risk support to an Asian G-SIB

Turning scattered market
data into meaningful
business insights

Mutual fund case