Risk Management

Risk Management is the core the capability of DIGITIAN Global Consulting. Especially in the specialised field of   Credit Risk Management and IT Risk Management Framework.

The main area of consultancy are as under:

We help you to create a comprehensive risk management framework. The framework will consists of

  • Risk Governance Framework
  • Risk Policy, Risk Manual and Risk Procedures Preparation
  • Risk Dash Board with Digital Risk Registry
  • Risk Appetite Determination
  • Stress Testing Framework
  • Risk adjusted Return on Capital Employed (RAROCE)
  • ICAP implementation

We are highly capable and proven in overall Credit Risk Management mainly covers the following area :

 

Credit Risk Management Framework :

We help you to create a comprehensive Credit risk management framework. The framework will consists of

  • Credit Risk Governance Framework (From Board level to Front level)
  • Credit Risk Policy, Credit Risk Manual & Procedures Preparation
  • Credit Organisation Framework – Origination & Sales, Appraisal & approval, Disbursement & Documentation, Post Disbursement Monitoring & Control, Collection & Recovery (specialised workout)
  • Automated Lending process with Digital Interface
  • Interest Rate Determination Framework
  • Credit Risk Dash Board
  • Credit Risk Appetite Determination
  • Credit Stress Testing Framework
  • Credit Risk adjusted Return on Capital Employed (RAROCE)
  • IFRS 9 implementation – Expected Credit Loss –  12 month loss and life time loss determination ( Loss Given Default, and  Exposure at Default)

 

Credit Risk Rating and Scoring model : We have our own model which is proven & tested across geographies and suitable for Receivables Management, Microfinance, Mobile Network Operators,  Housing Finance Companies, Non-Banking Financial Companies, and Banks

The model development is an art as well as science as with high level of statistical analysis of multivariate analyses, rank correlation, Monte Carlo simulation, judicial usage of weights determination and application of haircuts (market peculiarity & organisational experience) and very detailed calibration process to determine Type I and Type II errors. First this model provides a very level of predictability at 95% level of confidence. It is a journey of 3-5 years to perfect the model at 99% level of confidence.

We also provide systems support for on boarding, processing and maintenance of credit rating system through our partner software consultant.