Overview

BUSINESSNEXT Risk Assessment & Rating is an AI-driven software designed to automate and enhance the risk assessment process. It allows users to design and implement complex risk rating models tailored to their specific needs. The platform is built to handle end-to-end borrower processing, ensuring compliance with government regulations. It supports the configuration of processes across various industries, entity groups, and sizes, even managing operations in multiple countries. BUSINESSNEXT enables the analysis of different rating behavior scenarios, accommodating both greenfield and operational entities.

Features

• End-to-End Borrower Processing: Create and import borrowers with proper checker processes and validations, fully compliant with government regulations.
• Configurable Processes: Configure processes to any industry, group entities, size, and manage multiple countries.
• Rating Behavior Analysis: Analyse different rating behaviour scenarios on different nature of borrowers incl. greenfield entities to operational entities.
• Financial Data Utilization: Easily upload financial data with smart, guided template suggestions.
• Pre-Built Models: Access 25+ pre-built models, with the flexibility of creating custom models through zero code, rating designer with minimal training.
• Data Validation: Quickly validate borrower data and download financials in Excel.
• Customizable Rating Models: Use powerful business rule engine to design proprietary and unique rating models.
• Automatic Rating Triggers: Enable automatic triggering of ratings based on custom criteria, for instance, external rating downgrade, financial spreads etc.
• Risk Parameter Input: Input risk rating parameters including financial ratios, industry risks, market risks, business risks and financial risks.
• Scenario Simulations: Easily configure complex mathematical computations for scenario simulations.
• Historical Stress Tests: Execute stress tests against historical datasets and get warning signals early on.
• Bulk Rating Execution: Automatically execute model calculation logic for bulk rating execution against sub-portfolios based on specific criteria.
• Reporting Structure: Get better reporting structure with interim, mid-journey reporting capabilities.
• Audit Trail: Complete rating process visibility with end-to-end audit trail.

Benefits

• Compliance: Ensures compliance in each step of the risk assessment process.
• Efficiency: Automates complex calculations and processes, saving time and resources.
• Customization: Enables the creation of unique, proprietary rating models.
• Insight: Provides early warning signals through stress tests and scenario analysis.
• Visibility: Offers complete transparency with end-to-end audit trails and reporting.
• Multi-Country Rollout: Facilitates faster multi-country rollout on a multi-tenant architecture.