Credit Risk Solution

Expected Credit Loss

Fintellix CECL solution is a state-of-the-art solution with an intuitive interface designed to deliver automated, accurate, and timely calculation of ECL allowance. The application imports data from multiple sources systems, transforms, and stores in into a central data hub, which becomes the singular source of truth for all use cases within the application. The user can generate multiple scenarios to calculate ECL by utilizing various regulator prescribed methodologies like Vintage Analysis, Cohort Analysis, Weighted Average Residual Life Method and PD/LGD Approach. While the application automates the process execution via integrated workflows and approval processes, a built-in document repository along with an end-to-end audit log and pre-packaged reports keep you audit ready at any point in time.
  • Monitor & Analyze
  • Feature Packed
  • Reports & Disclosures

Solution Benefits

Economic Data Integration

Data collected in different formats across multiple source systems is transformed into our proprietary data model and persisted in the data hub.

Collective and Individual Evaluation

Pooling of accounts that share credit risk characteristics allow ECL calculation on a collective basis.

Multiple CECL Methodologies

Calculate ECL using any of the 6 methods at your disposal, including cohort analysis, WARM, PD-LGD, etc.

Multiple Calculation Scenarios

Create multiple scenarios by adjusting the input variables for each calculation method.

Comprehensive Reports and Dashboards

Carefully designed reports equipped with a powerful insights module to help C-Level executives with strategic business decisions

Data Quality Assessment and Data Upload

Analyse, enrich, and transform input data coming from your source systems.

Economic Data Integration

Data collected in different formats across multiple source systems is transformed into our proprietary data model and persisted in the data hub.

Collective and Individual Evaluation

Pooling of accounts that share credit risk characteristics allow ECL calculation on a collective basis.

Multiple CECL Methodologies

Calculate ECL using any of the 6 methods at your disposal, including cohort analysis, WARM, PD-LGD, etc.

Multiple Calculation Scenarios

Create multiple scenarios by adjusting the input variables for each calculation method.

Comprehensive Reports and Dashboards

Carefully designed reports equipped with a powerful insights module to help C-Level executives with strategic business decisions

Data Quality Assessment and Data Upload

Analyse, enrich, and transform input data coming from your source systems.

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To learn more about how we can help you, please contact us