Risk Management Offerings & Solutions

Risk management frameworks have been developed and implemented for leading banks and financial institutions across India, Africa, and Sri Lanka, including public and private sector banks, NBFCs, and housing finance companies.
Our solutions covering credit, market, and operational risk, as well as risk-based internal audits, are fully compliant with IFRS 9, Basel II, and Basel III guidelines.

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ICRA Analytics has a bouquet of advanced risk solutions in credit risk, operational risk and risk-based pricing

Solutions we provide

Solutions & Tools

Identifying, assessing and monitoring credit risks enables financial institutions to manage

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Consulting & Advisory

We have been enabling financial institutions globally in implementing best practices in

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Research

We have a comprehensive repository of research, spanning diverse industries and

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Solutions & Tools

Identifying, assessing and monitoring credit risks enables financial institutions to manage and price their lending facilities efficiently. We offer a range of solutions and

Below are our products under Solutions & Tools:

IRS 3.0 -Internal Rating Solution

Internal Rating Solution is a web-based comprehensive and customisable credit risk management tool to assist financial

ECL 3.0 -Expected Credit Loss Solution

Discover the power of ECL 3.0, the advanced solution from ICRA Analytics designed to revolutionise the computation of the expected credit loss

RAROC Calculators

Banks and NBFCs have long transformed their credit pricing decisions to be able to allocate sufficient capital consistent with risks

Consulting & Advisory

We have been enabling financial institutions globally in implementing best practices in Enterprise Risk Management and Governance (encompassing credit risk, operational risk, and risk-based internal audit), designing, and validating risk models for credit risk,

Below are our products under Consulting & Advisory:

Model Validation

We bring over two decades of experience in partnering with banks and NBFCs to deliver trusted model validation solutions.

Risk Policy Review & Gap Analysis

We have extensive experience in reviewing existing risk management frameworks (and related policies) and

ECL Computation

Our ECL team has been working with India’s leading NBFCs as a consultant/service provider for quarterly

Model Development

At ICRA Analytics, we specialize in the development of advanced, Basel II-compliant internal credit risk rating models

ICAAP Service

The Internal Capital Adequacy Assessment Process (ICAAP) is a critical component of the Supervisory Review and Evaluation Process (SREP)

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our team

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how we can support you.

FAQs

Banking risk management solutions help financial institutions identify, measure, monitor, control and report risk across credit, portfolio and operational processes. In practice, they support borrower assessment, exposure monitoring, policy adherence, regulatory reporting, early warning signals and management oversight, enabling faster and more consistent risk decisions.

A banking risk analytics platform improves monitoring by bringing borrower, exposure, rating, collateral, overdue and portfolio data into a single risk view. It helps risk teams track concentration, migration, stress indicators and emerging deterioration so that remedial action can be initiated before losses materialise.

A financial risk management framework should include board-approved risk appetite, policies, governance roles, risk identification, measurement methodology, limit structures, monitoring processes, escalation protocols, reporting, model governance and controls. For lenders, it should also connect credit underwriting, portfolio monitoring, provisioning, capital and audit requirements.

Basel II risk solutions support capital and risk management by helping banks measure credit, market and operational risk more consistently. They typically support internal rating systems, risk-weighted asset computation, capital adequacy assessment, stress testing, model validation and governance documentation required for supervisory review and internal risk oversight.

Credit risk analytics tools are used to assess borrower creditworthiness, track rating migration, monitor overdue behaviour, identify portfolio concentrations and estimate loss potential. For banks and NBFCs, these tools support underwriting, risk-based pricing, portfolio review, early warning monitoring, provisioning and management reporting.

IFRS 9 and Ind AS 109 ECL solutions support expected credit loss reporting by automating staging, PD, LGD, EAD, macroeconomic overlays, provision calculation and disclosure outputs. They improve consistency, auditability and governance across finance and risk teams while supporting accounting and regulatory reporting expectations.

A credit risk modelling platform helps institutions build, implement and monitor models for borrower risk assessment, probability of default estimation, rating assignment, portfolio segmentation and risk analytics. It supports more consistent credit decisions and provides evidence for model governance, validation and ongoing performance monitoring.

Risk management consulting is important because banks, NBFCs and financial institutions must translate regulatory expectations into practical operating frameworks. Consulting support helps strengthen policies, credit processes, risk models, governance, validation, reporting and implementation discipline across risk, finance, business and technology teams.

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Let's discuss your needs and how we can support you.

Research

We have a comprehensive repository of research spanning diverse industries and capabilities to assist our clients make informed credit decisions.

Below are our products under Research:

Industry Risk Scores & Reports

Industry Risk Scores (IRS) and Reports provide an independent and credible opinion on the performance and prospects of the industry in the short-to-medium term.