CREDIT RISK ANALYTICS

Businesses in many industries cite risk and compliance as key challenges. Banks, for instance, are beset by new and evolving regulations with lending model validation requirements they need to scale quickly. Insurers in all sectors are increasingly focused on managing risk and reducing fraud to improve profitability.

With extensive end-to-end modeling experience, EXL builds modeling and data attestation frameworks so clients meet internal and external deadlines. We combine scale and speed with a deep understanding of financial and other regulations, and our cost-effective execution and fast-track delivery have helped companies dangerously behind schedule. EXL has reduced transaction fraud, improved loss forecasting models, and within 90 days rolled out multi-country models for BASEL compliance.

CAPABILITIES

  • Retail & commercial credit risk modeling
  • Regulatory compliance
  • Risk scorecard development, validation & maintenance
  • Fraud monitoring & fraud system augmentation
  • Monitoring & management of application approvals, credit line decisions, rewards provisioning

CASE STUDIES

 

EXL helped a Top 5 global bank to quickly design and implement a compliance program to follow the complex rules and optimize the financial incentives in the National Mortgage Settlement. By achieving full compliance rapidly, the bank earned an estimated $70 million in bonuses.

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Working in close coordination with in-house teams, EXL helps banks to bridge the gap between credit policy and testing.

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The ability to assess health risk early and then provide appropriate outpatient care can prevent hospitalizations or at least prevent complications.

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READY TO LOOK DEEPER? CONTACT OUR ANALYTICS LEADERSHIP TEAM.

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