Retail Credit Repository Solution

The Retail Credit Repository Solution is the centralized repository of consistent and reconciled customer credit risk information for Basel II compliant capital calculations and Retail credit risk reporting. Asset classes like Residential Mortgage loans, Home Equity Line of Credit, Credit cards, Line of Credit and retail loans other than SME are reported under Retail credit.

Business Challenges That You Face

In order to comply with the Basel standards, Banks need to develop a separate retail credit repository for credit data storage and management. Banks want to use consistent, reconciled risk data across origination and servicing, risk management, and financial reporting systems.

What We Offer You

Kumaran Systems can develop and implement a Retail Credit Repository for any Bank adopting the Advanced Internal Ratings Based (AIRB) approach for regulatory capital calculation. Retail Credit Repository allows credit officers and risk managers quick access to the information they need about the credit risk profile of their businesses, in both a comprehensive and consistent manner. By relying on RCR, users can analyze the credit portfolio from different perspectives, as the information stored is consistent and reconciled across the organization. With RCR data, users can understand current risk exposure and analyze the behavior of risk profiles across a specific period.

Benefits of Retail Credit Repository Solution

• Comply with Basel requirements.
• Provide the data repository including raw source date, summarized data, Meta data, and archived/historical data, transformation, and business rules engine.
• Calculate Risk Weighted Assets for the identified retail credit portfolios, and
• Report relevant information as required by regulators.
• React to potential problems by having multiple perspectives on credit risk through the combination of standard credit-risk models.
• Evaluate the credit risk of portfolios rapidly and comprehensively
• Identify potential problems in the credit risk portfolio
• Evaluate credit risk from both a product-specific and enterprise-level perspective across products
• Enable a better understanding of retail credit portfolio