Your IT Transformation Partner

Business Risk Management

  • Business Risk Management

Business Risk Managment

Verto Wave and SAS are responding to client needs by spearheading efforts to transform credit risk modeling and decisioning, giving our clients and their customers a better experience while simultaneously growing the lending book.

Business needs

  • How do I lower my costs of regulatory compliance?
  • How do I get a holistic view of risk across my bank?
  • How can I make the right lending decision in the shortest time?
  • How can I improve customer experience in lending?
  • How can I increase operational efficiency through automation?
  • How can I use new technologies to modernize lending?

Risk management domains

  • ALM & Liquidity Risk Management
  • Expected Credit Loss (IFRS 9 / CECL)
  • Model Risk Management
  • Regulatory Capital Management
  • Risk Modeling & Decisioning
  • Risk Platform Transformation
  • Scenario Analysis & Stress Testing

SCENARIO “Risk Modeling & Decisioning”

Transform enterprise decisioning in lending BUSINESS VALUE GENERATED

  • Improved client experience
  • Increased operational efficiency
  • Achieved market leadership

 

The average “time to decision” for small business and corporate lending is between three and five weeks, Average “time to cash” is nearly three months. Soon Leading banks embracing the digital-lending revolution, can bring “time to yes” down to five minutes, and time to cash to less than 24 hours. Making faster, better lending decisions.

 

Using ML and AI Financial organizations can benefit from the following  

  • cost efficiency: due to less touch time while processing the request and lower cost of risk.
  • revenue gains: Increased capacity to process applications, higher win rates, and better pricing.
  • Personal-loan applications can now be submitted with a few swipes on a mobile phone, and time to cash can be as short as a few minutes.
  • Mortgage lending is more complex due to regulatory constraints, yet banks in many developed markets have managed to digitize large parts of the mortgage.