GUARDEAN RiskSuite

GUARDEAN RiskSuite is a modular software platform which will help to automate and manage all processes of customer interaction which are followed by risks: from processing of the credit request and assessment of the current clients, before the choice of suitable strategy of collecting an overdue debt.

Main modules and components

• Decision making module. Assessment of customer information and decision making according to the selected strategy of crediting (including the scoring card, categories of risks, a tree of the relations, manual underwriting, etc.).
• Data storage module. Storage and extraction of the data obtained from bureau credit a story with the purpose of avoidance of expenses on repeated requests.
• Module of consolidation of data (InformationGateway). A uniform format for the raroznenny data obtained from more than 50 national and international information agencies (BKI) from around the world. Automation of decision making on the basis of the set rules and collected information.
• Module of counteraction to fraud. Effective fraud prevention on initial stages of processing of the credit request (database compilation of cases of fraud, tracking of the behavioural templates characteristic of fraud, etc.)
• Module of work with Excel tables. The built-in module of tables allows the simplified work and use of Excel files in the course of decision making automation: budget accounts, pricing, client lists, etc.

Advantages

• The high level of automation of a system at the expense of what considerable process optimization on decision making is reached.
• Possibility of a combination of sending requests to several BKI, both in parallel, and it is consecutive. Processing of special cases according to the request and information storage on requests. Possibility of support of an individual request in BKI.
• Implementation of the differentiated approach to decision making which will allow to increase the number of approvals.
• Effective fraud prevention.
• Modeling of processes without involvement of IT specialists:
• Easy integration of files of Excel in decision making process,
• Business process modeling in the designer of workflows,
• Configuration of rules, scoring maps with the help of the graphical interface,
• High performance of processing of requests, decision making in real time up to 60,000 requests per hour.
• Possibilities of use of information from BKI and business logic in one system.
• Consolidation of modeling and process automation of decision making in one system.
• Optimum control of information: extraction, aggregation, intellectual processing and providing data access.
• The modularity of a system allows to configure easily solutions under needs of business.
• With GUARDEAN RiskSuite the fast input on new lending market due to simplicity of implementation of product strategy is possible.
• Easy and fast integration in the existing IT landscape by means of standardized tools of import and export of data.
• GUARDEAN RiskSuite helps to connect new data sources, both internal, and external, at the expense of standard instruments of integration.
• Economic effect is reached at the expense of a combination of advanced technologies in the field of credit risks which come to replacement to the settled solutions, and the accumulated experience and consulting to areas risk management from Guardean and ARMADA companies.
• The solution GUARDEAN RiskSuite helps to solve problems in the area: automation of decision making according to requests, consolidation of data on clients, counteraction to fraud according to credit requests, automation of work with arrears.