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Agile PPT.pptx

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EWS is an AI-based predictive analytics solution that collects comprehensive borrower information from multiple sources (internal and external to a bank) and analyses it for early identification of incipient stress, based on global compliance standards. EWS helps banks to reduce NPAs (non-performing assets) and improve profitability.

EWS is an AI-based predictive analytics solution that collects comprehensive borrower information from multiple sources (internal and external to a bank) and analyses it for early identification of incipient stress, based on global compliance standards. EWS helps banks to reduce NPAs (non-performing assets) and improve profitability.

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Agile PPT.pptx

  1. 1. EWS – Early Warning Signal Prepared By : Ravindra Gupta Date: 22-10-2022 rt360
  2. 2. RT360-Early Warning System
  3. 3.  Problem :  Banks In India Are Reeling From The Overhang Of Bad Loans On Their Books Across Both The Public And Private Sector.  After A Prolonged Period Of Stress, Which Saw The Gross Non-performing Assets (GNPA) Of Scheduled Commercial Banks Rising Drastically.  Situation:  The Early Detection Of Fraud And The Necessary Corrective Action Are Important To Reduce The Quantum Of Loss Which The Continuance Of The Fraud May Entail.  Opportunity :  The Government Is Separately Looking Into The Issue Of Timelier And Coordinated Action By The Law Enforcement Agencies.  A Bank Cannot Afford To Ignore Such EWS But Must Instead Use Them As A Trigger To Launch A Detailed Investigation Into An Red Flagged Account(RFA). Situation/Problem/Opportunity: Alert Generation Process S.No Alert Generation Process 1 Extract exposure data (Base borrow and Wam) tables 2 Extract new customers from finacle 3 Share new customers data to saverisk 4 Share data to crif 5 Extarct corebanking data into ews system 6 Extract Saverisk data into ews system 7 Extract crif data into ews system 8 Populate pre staging tables for data aggregators 9 Populate stagging tables 10 populate RFA tables 11 Populate generated alerts into workflow tables 12 Release alerts to users
  4. 4. Business Process Model (BPM): Goal- To develop an online model for IDBI Banks for reducing RFA & NPA. Inputs- Alert ID, Alert Description, EIN, EIN full name, Location, asset details Outputs – EWS helps banks to reduce NPAs (non-performing assets) and improve profitability. Activities- Web application Account login, Information about Alerts, Order ID. Application database, Order details, driver details. End value to user- EWS helps banks to reduce NPAs (non-performing assets) and improve profitability.
  5. 5. Objectives : Purpose Statement (Goals):  To Deliver An Online Model For IDBI bank to reduce loans taken by multiple assets and RFA and NPA Project Objectives: The rt360 – EWS Is manages the entire risk portfolio of banks and financial institutions.  It including credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk.  It Is A Sync View Of Asset And Resource Data. Gaining A 360° View Of The End-to-end Banking Operations Would Simplify The Entire Process  It Will Reducing Costs And Increasing Monthly Volume Delivery. Also Offers Complete Visibility Of Data, Assets & Resources, & Automates Processes To Increase Productivity & Reduce Costs. Success Criteria: Improve Data Records Availability And Accessibility Of Information About Products. Solve The Issues, And Take Reviews From Customers Reduced Fulfilment Time By 75% Through Automation Net Margin Improvements Of Up To 1% By Dynamic Optimization Of Emerging Constraints 100% paper work Optimization & 75% Net Margin Improvements Delivered  SMA will be 30 days. 60 days, 90 days for fast closure on loans status High level manager escalation Planning fast submission on alert status.
  6. 6. Implementation and Model : Methods/Approach:  The Agile SDLC method will be the best approach.  The process contains Planning, Requirements Analysis, Design, Coding, Unit Testing and Acceptance Testing  Designed by bankers, risk practitioners and technology specialists with a Business-First, Technology-Next approach,rt360 empowers banks and financial institutions to focus on their credit growth and profitability.  FM engineer can be the best option to consult  Training/User Manual will be provided to each user and employee for easy understanding of project.
  7. 7. Resources & Risks: Resources: People – Project team members from client community and BCT. Time – implementation within 9 months. Budget – hardware, software, training and services not to exceed Rs.20,00,000.00 Other – third party software evaluation, site visits, Dataquest reports – not to exceed Rs. 5,00,000 Risks and Dependencies: Current solution in place for over 2.5+ years and it is intuitive to current users. Cost justification in ease of use, quality of information, speed of accessibility, ease of support and maintenance is difficult to quantify in a way management can see improvements in utilization of system investment
  8. 8. Prototype Data Sources Workflow Management Reporting & Dashboards Rule Engine and Processor Data Ingestion Alerts Thresholds Customer Profiling Case Manager Follow-up EWS Scoring Rule Engine EWS Staging Staging Area External Source Internal Sources Unstructured Reports Data Aggregator CBS, Rating System, LOS/LMS etc. Corporate MSME Early Warning Signals Extraction module
  9. 9. Thank You

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