Credit Predix

Equipping you with the best tools for credit risk evaluation

Obligor Information Module

Captures relevant information of the bank’s client, able to be integrated with other software such as the bank’s Loan Origination System (‘LOS’).

Projection Module

Enables financial projections with configurable assumption drivers, instantly reflecting results as assumptions are entered, allowing users to simulate various scenarios and conduct stress testing of financials effortlessly.

Historical financial

Highly configurable chart of accounts that can be tailored to specific industries, allowing analysis to be done easily. Financial ratios are automatically calculated to reduce human error.

Scorecard & Risk Rule Module

The Scorecard & Risk Rules is extremely flexible and is configurable by the User. It provides a rating for the Borrower or Obligor and the Facility.
The Scorecard can contain quantitative and qualitative factors.

Quantitative Factors

Quantitative Factors are usually the Financial Factors. The financial values are automatically mapped from financial spreadsheet “attached” to the Scorecard.
Financial value of the factors can be manually override. However, User will need to provide a reason for the override.

Qualitative Factors

For the qualitative factors, User selects the appropriate option by clicking on the radio button.
The scores of the selected option are displayed as “Item Formula Output” on the right-hand side of the screenshot.

External Data

Our System supports the use of external data such as external ratings by Moody’s. S&P and Fitch in your Scorecard.
For example, User can incorporate Sovereign Ratings/Country Risks in their Scorecard.

Adjustments

Our System has another feature of “Special Treatment and Overrides”. This is to cater for Adjustments to the Borrower’s Grade based on the Bank’s policies.
Examples of Adjustments are; "Are the Financial Accouns Audited?", "Are the Financials Qualified?" and "High Risk Industry".

Parent Support and Guarantor Support

User has the flexibility of incorporating Parent Support and Guarantor Support in their Scorecard.

Portfolio Stress Testing Module

Portfolio Stress Testing in Credit Predix empowers financial institutions to assess the resilience of their borrower portfolios under various "what-if" scenarios. Users can stress test the entire portfolio or a filtered subset based on criteria such as industry, business unit, team, or country. Testing can focus on borrowers' financial statements, scorecards, or both, providing flexibility and insights into potential risks.

Early Warning System Module

Collates the collective knowledge of the bank and converts it to rules to assist loan officers when analyzing financial statements.

Integration Services

Our Credit Scoring System can integrate with other software system in your organisation. For example, our System can capture and push data to and from your Loan Origination System (“LOS”), Enterprise Data Warehouse (“EDW”) and other Core Banking System.

Business Intelligence & Reporting

Credit Predix offers business intelligence software that enables users to perform comprehensive analyses through beautifully presented data. Discover powerful insights and turn them into impact.

Model Development & Validation

Our software automates the processes of model development and validation, significantly reducing the time required while enhancing the reliability and accuracy of the models.

Model Development

Our model development service offers a statistical approach with a supplement of a judgmental approach to develop a state-of-the-art credit risk model that accurately rates the risk of a client. Our software automates the process of model development. The pipeline ensures a swift and seamless cycle from development to deployment.

Features of Model Validation

Model Validation Process

Ensures that models used for business decisions are:
- Methodologically robust.
- Compliant with regulations set by the Basel Committee on Banking Supervision (BCBS)
- Aligned with internal standards.
Monitoring Framework
- Guarantees the reliability of models through effective monitoring.
Benchmarking
- Compares your models against industry best practices.
Validation Report
- Provides an independent and detailed evaluation of your models.
- Highlights strengths and weaknesses.
- Assesses model suitability for your business environment.
- Recommends actionable steps for improvement.

Additional Services

Environment, Social & Governance (ESG)

Our ESG Rating Scorecard combines Bank Negara's CCPT for environmental metrics with EU-aligned social and governance assessments, ensuring global-standard compliance. Showcase your commitment to sustainability, attract ESG-conscious investors, and gain a competitive edge. Empower your business with actionable insights to drive resilience and long-term value.

Cybersecurity Training

In partnership with Cyber Ranges, Pilot offers advanced cybersecurity training to bolster organizational defenses. Using realistic simulations of real-world cyberattacks and cyber drills, the program identifies vulnerabilities and improves readiness. Trusted by the UN since 2017, it’s a proven solution for national and regional cyber drills.

Automated Financial Spreading

The Automated Financial Spreading module transforms raw financial data into customizable charts of accounts. Powered by a Large Language Model, it adapts to varied formats and provides multilingual translation, making it versatile and efficient for global financial reporting.