Building Smarter Credit Risk Engine
About the Client
Valued at around $8 billion , this UAE-based private bank is one of the oldest financial institutions in the Middle East , known for its legacy, international presence, and focus on digital and regulatory excellence
Business Requirements
The bank’s Retail Risk team needed a smarter, data-driven approach to manage its credit card portfolio.
- The existing system could generate only 29% of the required reports, heavily dependent on manual processing.
- No AI/ML capabilities or proactive alerts existed to flag early risk signals, limiting the team's ability to act ahead of issues.
- The Portfolio Quality Report (PQR), essential for tracking sourcing and credit performance, took over three weeks to prepare each month.
- Month-end reporting delays meant that risk insights were reactive rather than forward-looking.
Our Solution
We streamlined the entire architecture by introducing two dedicated data marts—one for Acquisitions and one for Portfolio performance.
- The Acquisition Data Mart aggregated 105 fields from diverse systems including Prime, Flex, T24, and static files to track new credit card acquisitions.
- The Portfolio Data Mart brought together 290 fields capturing transactional and historical data for existing cards.
- Existing and new reports were redirected to the new architecture, enabling self-service access and faster generation of insights.
- Early risk triggers and AI/ML readiness were embedded into the system for future-proofing the platform.
Business Outcomes
- Comprehensive Visibility: Risk teams now access deep insights into acquisition patterns and portfolio performance.
- 55+ New Reports Enabled: Expanded coverage allows better monitoring and risk segmentation.
- Customizable Dashboards: Users can generate tailored views based on real-time, relevant data.
- Proactive Risk Triggers: Early indicators now support timely interventions, reducing exposure.
- PQR Timeline Cut by 85%: Preparation time dropped from 3+ weeks to just 3 days, enabling faster action.
Recent Case Study
