Proactively identify and support at-risk customers
RDC.AI Early Warnings is a continuous credit surveillance solution for business and commercial lenders. It monitors the cash flow and behavioral signals in your existing customer data every day, and surfaces the customers showing early signs of credit deterioration while there is still time to act. Lenders using Early Warnings detect stress up to 6 months earlier than after-the-fact alerting, with 8x greater accuracy than traditional monitoring and 50% fewer false positives. Every alert arrives with an explanation your credit team and your regulator can follow.
Solution highlights
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The Problem With Finding Out Too Late
Effective risk management demands timely interventions. Most portfolio monitoring tells you a customer is in trouble after the trouble has arrived: a missed payment, a broken covenant, a downgrade at annual review. By then your options have narrowed to damage control, and your customer's options have narrowed further.
The signals were there earlier. They were in the transaction accounts, the lending accounts, the financial statements and the bureau data, spread across systems, inconsistent and messy. No relationship manager has the hours to read them across a whole book, every day.
What Early Warnings Do
Our Early Warnings solution helps business and commercial lenders proactively support customers exhibiting early signs of credit risk deterioration. By utilizing actionable insights derived from continuous credit surveillance, Early Warnings helps you minimize losses, maintain portfolio health, and provide targeted assistance to your customers.
It works on the data you already hold. There is no requirement for new customer disclosure, no waiting for the next set of financials, and no separate portal for your bankers to remember to check.
Solution Value
Key Benefits
Minimize Risk
Utilize AI-powered insights to detect emerging credit risks early and address at-risk customers proactively.
Make Better Decisions
Make timely, high-quality credit decisions using the latest, most comprehensive data.
Improve Performance
Identify key areas to focus your efforts to prevent losses and maintain a healthy portfolio.
Increase Efficiency
Streamline the early warning process to better allocate resources and reduce operational costs.
Preserve Customer Relationships
Access the necessary insights you need to have productive, personalized interactions with customers.
Meet Regulatory Requirements
Achieve compliance with regulatory and auditing standards through clear, explainable, and traceable insights and recommendations.
Frequently Asked Questions
What data do you need for Early Warnings?
Data you already hold: transaction accounts, lending accounts, financial statements and bureau data. Prebuilt data sensors handle the work of bringing those sources together.
Can my credit team see why a customer was flagged?
Yes. Every alert carries a Self-Describing Decision, a controlled-language explanation traceable from input data through to outcome, generated by Glass Box AI. It is designed to stand up to regulatory scrutiny, not only internal review.
How does Early Warnings relate to Automated Reviews and Portfolio Insights?
Early Warnings identifies individual customers showing signs of deterioration. Automated Reviews streamlines the review process for your portfolio. Portfolio Insights aggregates upward to show which industries, regions and exposure bands are moving. They are separate solutions on one platform, and they compound when deployed together.