With data already available in your ERP and risk profiling information stored in CAT, CAT gives a new dimension
to Risk & Performance by intelligently spotting  risk-profiled sales  opportunities. Scoring cards for different
market segments,industries, companies and individuals, allow you to determine the risk profile of the applicant,
which knowledge is then utilized to not only determine the best product bundle, but also to optimize the overall
risk-benefit profile of the Bank.

Rigorous analytics gives you new insights into the opportunities to expand your portfolio in a healthy and
sustainable way.
CAT features

  • Data warehouse
    Serves as the input into the decision models
    providing you with risk and commercial
    feedback on the loan applicant in relation to
    your portfolio and your risk appetite.

  • Work-flow
    Monitoring the duration as a means to quality
    control and speedy processing for your
    competitive advantage.

  • Decision models
    A variety of decision models ranging from score
    cards, portfolio optimizers and from wallet
    allocators to cash flow management. See below
    for the various decision models.
Enterprise Risk & Performance System to expand or build your SME portfolio
CAT
Credit Assessment Tool
CAT additional features

Separate modules include  

  • Dashboard with powerful information on Key Performance Indicators and Operating
    Metrics.

  • Emerging market knowledge base.

  • Warning system and automatic action generator.

    At execution level the system excels through its build-in warning system and diary
    keeping for the officers. When applications have not been finalized yet, the system will
    automatically generate TO DO task lists to ensure speedy processing.
CAT decision models

  • SME credit scoring models emerging market
    While financial information may not always be available to the credit analyst,  cash flow
    analysis, trade circumstances, references from other sources are only a few of the factors
    that drive the decision to accept or reject a loan applicant.

    An extensive knowledge built around the input from experienced emerging market credit
    analysts, marketing officers, branch managers and CFOs form the foundation of the credit
    scorecards against which a loan applicant is benchmarked.

    Running at International banks in Indonesia, across a network of more than 100
    branches, for over the past three years, the models form an integral part of the day-to-
    day practices of the credit analysts, marketing officers and branch managers.

    Scorecards are available for different type of market segments and business sectors, size
    of companies who apply for loans, micro-lending and medium to corporate sizes SME
    lending.

  • SME Portfolio manager
    Taking into account the Banks strategy set on target segments, such as loans sizes,
    business sector, this model determines the optimal portfolio given your risk appetite and
    bank strategy.

  • Wallet
    Given the buckets of companies this module allows you to offer the right product with the
    right price under the right conditions and offers a huge competitive advantage.
Growing your SME business