Risk Analytics
ICRA Analytics risk analytics offerings help you identify key risk variables with the use descriptive analytics and develop models which enable risk-aware decisions. The overall benefit includes better streamlined processes which are dynamic in nature and ensure efficiency in compliance to regulations.
- Model Development
- Probability of Default
- Probability of Attrition
- Probability of Going Delinquent or Increasing Delinquency
- Model Validation
- Performance of Existing Models Based On Pre-Determined Criteria
- Interpretation of the Results of Model Validation and Recommendations Thereof
- Risk Reporting
- Distribution of Credit Scores
- Distribution of Delinquencies and Exposure at Risk
- Distribution of Credit Limits across Different Score Bands
- Tracking Of High-Risk Accounts with Utilizations Greater Than 90%
- Strategic Analysis
- Approval Strategy
- Assignment of Credit Limit
- Underwriting Policy
- Criteria for Automatic Approval
- Criteria for Manual Approval