Proactively Mitigate Risk with Early Warning System Agent

AI-powered Risk Monitoring & Loan Portfolio Health

Continuously track your borrower behavior to detect early signs of financial stress in the loan portfolios and leverage AI-driven predictive analytics to assess repayment risks, NPAs, and credit deterioration. Automate risk monitoring with minimal manual intervention, reducing operational overhead with our Internal Loan Account Data Agent.

Comprehensive Borrower Profiling & Credit Risk Insights

Leverage our AI-powered sentiment analysis that shares a 360° view of your customer’s financial health, including transaction history, repayment patterns, and sectoral exposure. Assess industry, facility, and borrower risk profiles using multi-entity analytical profiling using the External Industry Data Agent that integrates structured and unstructured data, including loan history, credit scores, and financial statements, for holistic risk assessment.

Proactive Alerts & Risk Visualization for Loan Officers

Deliver real-time alerts on potential defaults, liquidity issues, and anomalies in borrower transactions by leveraging our Financial Information Agent that maintains an alert repository for historical tracking, enabling proactive intervention and early engagement with at-risk borrowers. Internal Loan Account Data Agent provides interactive dashboards with intuitive risk heatmaps, enabling quick decision-making for loan officers and credit risk teams.

Compliance-driven Risk Management & NPA Prevention

Track high-risk borrowers using our External Industry Data Agent to ensure adherence to regulatory frameworks (Basel norms, RBI guidelines, and IFRS 9 standards). Leverage Bureau and Repayment Agent to identify stress indicators like delayed payments, declining cash flow, and regulatory violations, allowing banks to mitigate risks early. Leverage our dynamic rule change management to ensure compliance with evolving regulatory requirements.

Market Event Analysis & External Risk Factors

Monitors macroeconomic indicators, industry downturns, and external financial events that may impact a bank’s loan portfolio by utilizing External Industry Data Agent, which uses sentiment analysis on financial news, borrower disclosures, and market trends to gauge credit risk exposure. NewgenONE offers natural language processing (NLP) and hybrid analytics to interpret unstructured market data for better risk mitigation.

Seamless Core Banking System Integration & Scalability

NewgenONE provides pre-built integrators for seamless connections with core banking systems (CBS), loan origination platforms, and credit risk engines, ensuring real-time data synchronization. The sentiment analyzer enables customer profiling across various banking channels, facilitating a unified approach to risk assessment. NewgenONE supports scalability across retail, SME, and corporate banking segments, allowing banks to manage risks effectively across diverse borrower portfolios.