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Our customisable and comprehensive solutions monitor and report credit risks both at individual and portfolio level giving granular details regarding every loan account enabling timely decision making by financial institutions.
IRS 3.0 -Internal Rating Solution
Internal Rating Solution is a web-based comprehensive and customisable credit risk management solution to assist financial institutions in credit risk identification, assessment, monitoring and reporting at the individual and portfolio level.
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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 (ECL). With ECL 3.0, you can unlock efficient risk management by automating complex calculations and ensuring accurate measurement of key components like probability of default (PD), loss given default (LGD), and exposure at default (EAD).
Read moreRAROC Calculators
Banks and NBFCs have long transformed their credit pricing decisions to be able to allocate sufficient capital consistent with risks taken across the portfolio. The search for the most optimal capital charge computation and credit pricing decision has led to the evolution of Risk Adjusted Return on Capital (RAROC). The RAROC framework helps banks and NBFCs make better credit decisions when approving, structuring, and pricing deals. Risk-adjusted returns are arrived at after adjusting income for all expenses, expected losses, and return on economic capital.
Read moreFAQs
Credit risk management solutions help lenders assess borrower risk, manage exposures, monitor portfolio quality and generate risk reports. They support underwriting, internal ratings, early warning monitoring, collateral tracking, limit management, provisioning inputs and governance processes across the credit lifecycle.
A credit risk analytics platform helps lenders manage portfolio risk by showing exposure concentration, overdue movement, rating migration, sector trends, collateral gaps and emerging stress. This allows risk teams to prioritise review actions and monitor portfolio quality at borrower, segment and portfolio levels.
Financial risk management tools should include risk assessment workflows, data integration, model support, exposure monitoring, alerts, portfolio analytics, audit trails, configurable reports and role-based governance. For regulated lenders, integration with credit, finance, compliance and reporting systems is also critical.
An ECL solution improves credit risk monitoring by converting borrower and portfolio data into expected loss estimates. It helps risk and finance teams track stage movement, PD/LGD/EAD drivers, macroeconomic overlays, provision changes and vulnerable segments across reporting periods.
AI-driven credit risk assessment uses machine learning and advanced analytics to identify borrower risk patterns from structured and alternative data. For regulated lenders, these models should be explainable, validated, monitored for bias and supported by clear governance before being used in credit decisions.
Credit risk monitoring tools track borrower performance, repayment behaviour, rating changes, covenant breaches, collateral movements and portfolio exposure. They generate alerts and dashboards that help lenders identify early stress, prioritise follow-up actions and strengthen portfolio control.
Automated credit risk assessment tools apply predefined scorecards, rating models, rules and workflows to borrower data. They reduce manual effort, improve consistency, shorten turnaround time and create an auditable trail for credit decisions, while allowing expert review for exceptions and overrides.
Predictive credit risk analytics uses historical and current data to estimate future deterioration, default trends or portfolio stress. Banks and NBFCs can use it for early warning signals, limit review, collections prioritisation, portfolio strategy, risk-based pricing and capital planning.
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