Wholesale Credit Data warehousing Solution

The Wholesale Credit Data Warehouse is the centralized repository of consistent and reconciled customer credit risk information for Basel II compliant capital calculations and wholesale credit risk reporting. Asset classes like SME, Corporate, Sovereign and Banks are reported under wholesale credit. WCDW maintains a cradle-to-grave history of wholesale customers. This is an interface system that gathers information from a variety of systems and sources for the purposes of storage, calculation, conversion and transformation.

Business Challenges That You Face

The following challenges are faced by business:p>

• Banks need to enhance the existing data warehouse as WCDW to be in line with the Basel standards and guidelines.
• The need of the hour to the Banks are mandatory requirements to fix regulatory compliance issues resulting in accurate data for reporting and analysis, improved accuracy of RWA calculations, Data assurance, Support senior management decisioning and improve operability.
• The complex business functionality of wholesale data warehouse requires a thorough understanding of the large data model, design documents, technical specification documents, Master Mapping documents for appropriate changes to be made in data warehouse.
• Developing a data integrity framework for the Wholesale credit application within a short timeframe requires sound business domain knowledge and technical acumen.

What We Offer You

Kumaran can assist in development and implementation of Wholesale Credit Data Ware House to any Bank. The existing data warehouse can be re-engineered with the new classification of asset classes and dimensions as per Basel standards. All wholesale credit exposures are fed into WCDW, they include exposures to large corporate, commercial, and also trading related exposures. In addition, exposures to small businesses are fed and stored in WCDW. Most of the feeds pass through the ETL layer while a few remain as manual feeds. In some cases the source of a feed governs the manner in which its exposures are treated for capital. An enhanced logical data model to the existing model is applied in WCDW. This includes the rationalization of models, data elements and naming conventions across WCDW and the systems and applications that interact with the WCDW.

Benefits of Wholesale Credit Data warehousing 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. More accurate data is produced for reporting and analysis.
• Improved accuracy of Risk Weighted Assets calculation for the identified wholesale credit portfolios.
• 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 wholesale credit portfolio.
• Technology policies and standards are met without any deviations.