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Credit Risk Management Software

ABLE Platform fully automates customer’s credit limit management, risk metrics calculation, workflows and other processes. It’s an AI-powered solution, ideal for banks, microfinance organizations, and alternative lenders. 

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Why you should choose ABLE Risk Management

Our credit limit monitoring system solution provides business users with extensive loan monitoring capabilities covering retail, SME, and corporate portfolios and enables lenders to more profitably manage customer and account relationships.

2-4 months

time-to-market

100%

customizable 

8+ years

on the market

130+

industry experts

ADVANTAGES

Smart customer and account level decisions

Prevent defaults

With our loan monitoring tools, decrease your bad debt portfolio by effective pre-collection and early collections treatments.

Boost revenue

Raises average customer profitability by pre-approved loans, event-based personalized offers with geo-tagging, and regular adjustments of credit limits and rates.

Foster loyalty

Increase customer loyalty with our loan portfolio monitoring software by providing targeted proposals as a quick reaction to a client’s situation change, through all available channels.

Year Established
Products
Team Size
Clients

What our clients already achieved with
ABLE Risk Management

Saving

70-90%

from application to disbursement

Efficiency

600%

productivity inrease

Speed

<1 sec

loan application processing

Velocity

<15 min

from application to disbursement

TYPES OF PRODUCTS

Risk and Credit Limit Management system for different products

Retail loans

  • Cash loans

  • Credit cards

  • Refinancing

  • POS-loans

  • Mortgages

  • Auto-loans, etc.

Commercial loans

  • SME and entrepreneur financing

  • Investment lending

  • Credit lines

  • Overdraft

  • Leasing

  • Factoring, etc.

Year Established
Products
Team Size
Clients

Extendable set of positive and negative signals

  • 100+ positive and negative event triggers are weighted and aggregated into indicators for more holistic customer level decisions and actions

  • Early warning indicator examples: default with other lenders, bankruptcy, collateral status, covenant breach

  • Events cover client and related parties, collateral and covenant state, internal transactions and balances, external data sources (bankruptcy, litigation, triggers from credit bureaus) and media

  • Geo-location events based on mobile devices data and transaction location

Automate loan monitoring processes in 12 weeks with ABLE

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OUR CLIENTS

Trusted by Banks and FinTechs

HOW IT WORKS

Single solution for various tasks

You can solve many goals by applying our loan covenant tracking software in your financial organizations.

Tailored to the needs of banks and microfinance (credit unions, leasing and much more)

Cross-sell and up-sell communications

Target promotions and cross-selling by determining the next product to offer the customer, and the best channel to make the offer. You can cross-sell more effectively, build customer loyalty, and target solicitations to low-risk, profitable customers.

Collections to facilitate cash flow

Accelerates pre-collection and collection treatments on higher-risk customers, while lower-risk customers are given time to self-correct. Increases collections effectiveness, reducing both collections costs and losses while maintaining customer satisfaction.

Credit line management

Our early warning software identifies the total credit line to be extended to an account or borrower, which improves profits by expanding the buying power of your best customers, while limiting exposure from those that are riskier.

Behaviour based pricing

Targets pricing adjustments based on customer behavior, acting not only to invoke punitive pricing when permitted by your service agreement(s), but also to increase revenues by stimulating increased usage.

Card authorizations

Allows for fast real-time decision-making on shadow limits for point-of-sale transactions using a 360° customer view, which grows revenue and improves customer satisfaction.

Custom decision area

Any other decision area can be configured for event-based loan monitoring and treatment in the ABLE Platform as a loan monitoring system.

Year Established
Products
Team Size
Clients
FEATURES

ABLE Risk Management capabilities

Year Established
Products
Team Size
Clients

Extendable set of positive and negative signals

  • 100+ positive and negative event triggers are weighted and aggregated into indicators for more holistic customer level decisions and actions
  • Early warning indicator examples: default with other lenders, bankruptcy, collateral status, covenant breach
  • Events cover client and related parties, collateral and covenant state, internal transactions and balances, external data sources (bankruptcy, litigation, triggers from credit bureaus) and media
  • Geo-location events based on mobile devices data and transaction location

Automatic and manual event processing

  • Real-time and batch event detection and processing
  • UI for manual decision-making and actions in ‘gray zone’: 360° customer snapshot screen, history of events and actions 
  • Personal tasks and group queues, supervision functionality
  • Role-based access model, pre-configured permissions and roles

Multi Channel interaction with customers

  • SMS, email, push notifications at internet banks and mobile banking apps

  • Internet chats: WhatsApp, Facebook, Telegram, Viber, etc.

  • Two-way communication with a client

  • Flexible scenarios taking into account the last customer events

  • Universal API for integration of partner solutions

Integration with 3rd party data and service providers

  • Integration with credit bureaus, pension and tax authorities/agencies, AML/KYC services and other providers

  • Workflows to process outgoing and incoming messages

  • Caching of external data providers responses for cost optimization

Document management system

  • Configurable OCR for document recognition 

  • Calendar for required documents checks 

  • Tags for saved documents

  • Integration with existing document management system if required

Powerful decision logic and AI models

  • Business user friendly UI for rule configuration

  • AI predictive models hosting for pattern recognition and non-standard behaviour identification

  • Strong testing capabilities, including scenarios and champion-challenger functionality.

Dashboards and analytical reporting

  • Extendable operational and analytical dashboards

  • Real-time information feeding 

  • Web-based OLAP analytical reporting

  • Capability to apply Machine Learning models for pre- and post-processing of reports

See even MORE features with a Demo

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ABLE Risk Management System capabilities

  • Proactive financial information capturing and analysis.
  • Identification and capturing of risk indicators.
  • Detection of potential non-performing (NPA) accounts.
  • Real-time PEP, sanction, and adverse media lists screening.
  • Risk evaluation during account onboarding.
  • Management of inputs for loan decision-making.
  • Adding and configuration of extra screening and risk assessment scenarios.
  • Probability of default calculation and prediction.

Recent projects

We have successfully delivered over 65 projects in lending and banking process automation thanks to our loan monitoring software. Some of them are under NDA, though some we are glad to share with you.

More case studies
Loan origination

Lending Platform improved loan origination process

Scoring

Hosting scorecards without the Bank’s IT department

Early Warning

Early Warning System for the Retail Commercial Bank

Collection

Soft-collection Remastering in a Bank

What our clients are saying

“Very mature solution for loan origination and servicing that has rich features and a powerful decision engine.

Fast deployment within 3 months, a lot of features are available out-of-the-box. The platform automates the entire loan origination process front-to-back. Gave about 558% improvement in productivity. Availability of multichannel interaction with customers like chatbots, messengers, etc.”

Paul Maleski
Product Owner

FAQ

How does ABLE Risk Managementwork?

ABLE Risk Management is an AI-powered loan monitoring and early warning software designed for banks, microfinance organizations, and alternative lenders. 

The platform fully automates loan disbursement processes and provides extensive loan monitoring capabilities. It uses an extendable set of positive and negative signals, including event triggers, to make holistic customer-level decisions and actions. 

ABLE Monitoring supports real-time and batch event processing, manual decision-making and actions, multichannel interaction with customers, integration with third-party data and service providers, powerful decision logic with AI models, and dashboards for operational and analytical reporting. With its comprehensive features, ABLE Monitoring helps financial organizations proactively capture and analyze financial information, identify risk indicators, detect potential non-performing accounts, and make informed loan decisions.

Does ABLE Risk Management comply with data privacy regulations?

Yes. As ABLE Risk Management is designed for banks, microfinance organizations, and alternative lenders, it is crucial for the platform to adhere to data privacy regulations to ensure the security and confidentiality of customer data. 

Given the nature of the financial industry and the sensitivity of the information involved, ABLE Risk Managementtakes data privacy seriously and implements appropriate measures to comply with relevant regulations. 

To obtain more specific information regarding data privacy compliance, it is recommended to reach out to the ABLE team directly.

How can I learn more about ABLE Risk Managementor request a demo?

To learn more about ABLE Risk Management or request a demo, you can follow the link. On the contact page, fulfill a form providing your details and scheduling a demo with the ABLE team. 

This will allow you to explore the features, functionality, and benefits of ABLE Risk Management in more detail and see how it can specifically meet your organization’s loan monitoring needs. 

The ABLE team will be able to provide you with personalized information, answer any further questions you may have, and guide you through the demo process.

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