Explore Crisil, a company of S&P Global

Formerly known as Global Research & Risk Solutions

Credit Transformation

 

 

Empowering banks with strategic, insights-driven solutions towards risk transformation

Increasing credit product complexities and dynamism call for credit risk transformation, which is key to safeguard portfolios and exposure, as well as stay competitive. For this, accurate delivery of strategic objectives, simplified governance mechanisms and an agile credit risk ecosystem are the need of the hour.

Crisil Integral IQ offers solutions that leverage industry-driven insights and deep understanding of end-to-end credit risk systems to meet the transformation needs while ensuring regulatory compliance.

 

 

 

 

Why choose us

 

 

 

Traversing banks'
transformation
agendas

Experience in credit risk transformation from large-scale programmes run across global banks

Rich domain
know-how across
locations

A large pool of global transformation SMEs, ensuring delivery across time zones and regions

Expertise to yield
cost efficiencies

Deep understanding of observed industry practices across the enterprise-wide risk value chain to standardise and maximise operating efficiencies

 

 

 

Effective set-up
with tools and
accelerators

Extensive ready-to-use target operating model (TOM) design and credit risk data accelerators and tools to kickstart programmes

 

 

 

20+

Acted on 20+ regulatory actions, MRAs and consent orders since 2022

5+

Supported 5+ financial institutions in end-to-end credit data management and large-scale credit risk data remediation

100+ 

Designed/ simplified/ benchmarked 100+ credit policies since 2020

 

 

 

Our solution components

 

 

Credit risk TOM design and implementation

 

Enabling banks to design and implement the best-fit credit risk management programme:

 

  •  TOM design: Defining the principles and operating model, including the end-to-end credit risk value chain, front-to-back workflows, required third-party support and handoffs
  • Change management: Offering change management services to support transition, including developing a plan that encompasses process design, organisation design, and technology/ systems implementation
  • Performance management and metrics: Defining key performance indicators, creating dashboards and reports, and providing ongoing monitoring and analysis to track TOM development

Credit policy design/ simplification/ overhaul

 

Improving governance and increasing regulatory compliance:

 

  • Benchmarking policies to understand observed industry best practices across global banks
  • Designing and implementing policies in response to new regulations/ regulatory asks across regions, including from the Fed, OCC, PRA, EBA, APRA, MAS and HKMA
  • Redesigning credit policies across the lending lifecycle (from underwriting to portfolio management) to align with any changes in risk philosophy/ appetite

Credit risk data transformation

 

Enhancing accuracy of credit data and metrics for clearance of regulatory actions:

 

  • Offering advisory support in the overhaul of existing data management systems – from taxonomy creation, mapping and schema to setting business rules and controls
  • Undertaking large-scale credit risk data remediation (financial spreads, risk rating, covenants and collaterals) across credit products and portfolios

Credit risk platform design

 

Increasing agility, accuracy and standardisation of the credit risk ecosystem (data, process flow and technology) across the value chain:

 

  • Supporting design of a singular end-to-end credit risk workflow across the front office/ first and second lines of defence and lending operations
  • Offering customised automation solutions for spreading and portfolio management 

 

 

 

 

Who we serve

Corporate Banks

Commercial & Consumer Banks

 

 

 

 

 

 

 

 

 

 

 

achieve-success

Discover why the world's most prestigious
global and regional financial institutions
chose us as their strategic partner