Intelligent Credit Origination

The Risk Assessment Model (RAM) facilitates credit risk appraisal of a borrower through a judicious mix of objective and subjective methodologies and acts as a comprehensive database for borrower’s rating information. RAM is the largest deployed internal risk rating solution in India.

The Risk Assessment Model offers:

• Workflow based internal risk rating process for a borrower
• Facilitates industry risk assessment and supports integration of external industry data feeds
• Facilitates integration with Customer Relationship Management Systems, Loan Origination Systems and Core Banking Systems for exchange of data
• Facilitates periodic / Ad-hoc review of borrower’s risk rating
• Standardisation and automation, ensuring a robust rating process
• Two-dimensional rating approach (borrower & facility rating) as per regulatory guidelines
• Estimation of probability of default by generating transition matrix
• Capturing relevant default, loss and recovery data for loss given default and exposure at default estimation
• Facilitates risk-based pricing and estimation of risk-adjusted return on capital
• Ability to host multiple models, including bank's existing rating models
• Facilitates Financial Spreading including automated ratio calculations
• Enables generation of projected financials and assess its impact on rating of the borrower
• Enables calculation of Risk Adjusted Pricing