Credit Risk Analytics & Reporting

Assess and manage credit risk with tools that help banks mitigate losses and comply with CECL and IFRS 9 standards. Model expected credit losses, support financial projections for loan portfolios, and enable data-driven decisions with optimized credit risk strategies.

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Platform Features

Credit Risk Analytics

Advanced Risk Modeling, Portfolio Analysis, And Predictive Analytics For Comprehensive Credit Risk Management

Cumulative Static Loss Analysis

Vintage cohort performance and loss rate tracking

Risk
3.66%

Final Cumulative Loss Rate

Within industry benchmark

Risk
$3.66M

Total Net Charge-Offs

Out of $100M cohort

Risk
Month 24

Peak Loss Period

$0.100M monthly loss

Metrics
16%

Recovery Rate

Strong workout performance

MetricMonth 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Month 13Month 14Month 15Month 16Month 17Month 18Month 19Month 20Month 21Month 22Month 23Month 24Month 25Month 26Month 27Month 28Month 29Month 30Month 31Month 32Month 33Month 34Month 35Month 36Month 37Month 38Month 39Month 40Month 41Month 42Month 43Month 44Month 45Month 46Month 47Month 48Month 49Month 50Month 51Month 52Month 53Month 54Month 55Month 56Month 57Month 58Month 59Month 60
Original Balance$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0$100.0
Gross Charge-Offs($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.0)($0.0)
Recoveries$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0$0.0
Net Charge-Offs($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.1)($0.0)($0.0)($0.0)($0.0)($0.0)($0.0)
Cumulative Loss$0.0$0.0$0.0$0.0$0.1$0.1$0.1$0.2$0.2$0.2$0.3$0.3$0.4$0.4$0.5$0.6$0.6$0.7$0.8$0.9$0.9$1.0$1.1$1.2$1.3$1.4$1.5$1.6$1.7$1.8$1.9$2.0$2.0$2.1$2.2$2.3$2.4$2.4$2.5$2.6$2.7$2.7$2.8$2.9$3.0$3.0$3.1$3.1$3.2$3.2$3.3$3.3$3.4$3.4$3.5$3.5$3.6$3.6$3.6$3.7
Cumulative Loss Rate0.00%0.01%0.02%0.04%0.06%0.09%0.12%0.15%0.18%0.22%0.26%0.31%0.36%0.42%0.48%0.55%0.62%0.70%0.78%0.86%0.94%1.03%1.12%1.22%1.32%1.42%1.52%1.61%1.70%1.79%1.88%1.96%2.04%2.12%2.20%2.28%2.36%2.44%2.52%2.60%2.67%2.74%2.81%2.88%2.95%3.01%3.07%3.13%3.19%3.24%3.29%3.34%3.39%3.44%3.48%3.52%3.56%3.60%3.63%3.66%
No data available
Instant Cohort Analysis

Track performance by vintage with one click

Automated Forecasting

Predict future losses using historical patterns

Stress Testing

Model scenarios in base, stress, and worst cases

Visual Dashboards

Interactive charts and tables for deep insights

Transform Your Credit Loss Management

Static loss analysis provides a powerful framework for understanding portfolio performance over time. By tracking cohorts from origination through their lifecycle, you gain unprecedented visibility into loss patterns, enabling proactive risk management and strategic decision-making.

Enhanced Forecasting Accuracy

Predict future losses with precision using historical cohort data, improving financial planning and reserve adequacy.

Strategic Portfolio Optimization

Identify high-performing vintages and underwriting criteria to optimize future originations and maximize profitability.

Proactive Risk Management

Detect early warning signs by comparing actual vs. expected loss curves, enabling timely intervention and mitigation strategies.

Regulatory Confidence

Demonstrate robust loss forecasting capabilities to regulators with comprehensive historical analysis and stress testing.

Data-Driven Pricing Strategies

Set competitive yet profitable pricing based on true loss expectations derived from actual portfolio performance.

Improved Capital Efficiency

Optimize capital allocation by understanding true loss exposure across different portfolio segments and vintages.

Scale Lending, Not Operations

First to integrate FP&A, credit risk, ALM, and treasury. 300+ models across 40 asset classes to streamline forecasting and ops for banks, lenders, and debt funds.

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300
Financial Models
+45%
Increased Accuracy
80%
Time & Cost Saving
40
Asset Classes
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