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Technology Highlights
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| Globally applicable IPRs for Analytics & Scoring, Credit Bureau, Risk & Rating and Data Management Solutions. |
| Development of reusable and repeatable modules providing key features in functionally rich products that evolve with market requirements. |
| Solution architecture & methodologies for next-generation B2B information exchanges. |
| Highly customizable solutions, both from a technology as well as advisory perspective, to build products around existing frameworks or from the ground-up. |
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| D&B Sentinel is a Commercial Credit Rating and Risk Management Solution, developed for banks and financial institutions, to facilitate risk rating of commercial entities using industry specific expert rating models. The expert rating models are developed by leveraging D&B's proprietary database of financial information on commercial entities spread across various territories.
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| The process flow in D&B Sentinel is as follows:
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- Salient Features
- Benefits
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| Provides flexibility to the user to configure Multiple Entity Rating Models to accommodate the rating parameters of various industries such as Manufacturing, Construction, Trading, Transportation, Mining, and so on. |
| Provides the user the feature to customize the rating parameters for a wide range of bank products such as Term Loan, Overdraft, Letter of Credit, Bank Guarantee, and so on. |
| Enables the Bank to assess the credit risk through dual rating - a combination of entity and facility rating. |
| Risk based pricing and approval of credit proposal. |
| Enables capture of adequate information and data that forms a pre-requisite for developing PD, LGD and EAD models for Basel II compliance. |
| Comprehensive Credit Memorandum providing information such as credit facility details, entity and facility rating; risk based pricing, repayment schedule, etc. |
| Portfolio Analytics encompassing Scenario Analysis, Stress Testing and Peer Group Analysis. |
| Provides insight into the credit risk at borrower and portfolio levels with the aid of reports like Transition Matrix, Migration Reports. |
| User Management to enable the bank's administration to create users and assign role based permissions. |
| Workflow Management to provide configurability to implement multi-stage process flows for the automation of the credit approval process from origination to decisioning. |
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| Multiple rating models catering to the dynamics of various industries |
| Provides Competitive advantage to banks by enabling them to price the loans commensurate with risks |
| Reduces paperwork and ensures faster turnaround time |
| Enables Basel II compliance |
| Robust workflow to support individual and group credit approvals |
| Meaningful and actionable reports at individual credit proposal and at portfolio level |
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