Genpact’s CD&M analysts help banks and financial Institutions manage commercial and consumer credit portfolio risk. The team specializes in debt and equity portfolios and has experience working with leading mainframe platforms, various consumer/commercial credit bureaus and world-class tools (SAS, Knowledge-Seeker, ModelBuilder, Unica, Moody’s Risk Analyst, Hyperion Strategic Finance, Capital IQ, e-RAM, E-Credit, One Source, D&B, S&P, Reuters, Bloomberg etc). It provides solutions for all loan sizes (small, medium and large ticket) and addresses the entire deal life cycle from origination to account monitoring.

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By using advanced statistical techniques and character-recognition software we create a uniform acceptance/rejection criteria and touch-free decision-making on small-ticket commercial loans. The result is faster application processing, better conversion and reduced delinquencies. The underlying decision model incorporates data from well-known external credit bureaus and addresses authentication issues before arriving at a real-time decision. Mid and large-ticket commercial loan portfolio management includes tools and expert support for tracking of monthly or quarterly financial statements and borrower covenants; identifying and reporting problem accounts; commenting on balance-sheet, income and cash-flow statements; and providing financial projections, calculations of borrowers’ credit rating, competitor analysis, collateral valuation, and gap analysis.

Genpact’s consumer finance analytics division helps companies with developing Automated Decision strategies at origination. The teams have experience in developing behavior scorecards, account management strategies and fraud loss mitigation strategies. Predictive modeling, segmentation and optimization techniques further refine credit-decision strategies.

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Genpact helped a large consumer lending business by developing a credit line management strategy. We did this through an improved segmentation of the portfolio that resulted in $2.6 million in loss savings.

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