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Credit and Risk Intelligence

Credit and Risk Intelligence

Credit risk management, capital optimisation and reporting

Credit and Risk Intelligence helps digitise regulatory and risk-based processes to help you optimise your capital and perform credit stress testing. Improve efficiency in operational risk and credit management and meet the latest regulatory requirements. Facilitate better decision making by increasing the visibility of underlying risks for key stakeholders.

Explainer: credit and risk intelligence

Award winning, innovative digital solutions to enable your success. Understand how you can optimise capital, credit stress test, visualise data, improve efficiency and minimise risk to allow for better strategic decisions.

Key features

Modules: Credit and Risk Intelligence

Credit stress testing

 

•  Access multifactor, digitally enabled, highly predictive credit and risk platform with feeds from Australian Bureau of Statistics, RBA, and CoreLogic
•  Access integrated and unified, product, portfolio, risk and arrears reporting
•  Gain new insights and support broad use cases with powerful analytics
•  Access advanced credit modelling that leverages a unique dataset from over 50 lenders, over 20 years and $320bn in mortgages*
•  Access highly predictive Probability of Default Loss Given Default, Loss Given Foreclosure, Exposure at Default and Expected Loss analysis
•  Leverage multifactor credit risk model, housing pricing indexing, cash rate, GDP and unemployment data
•  Apply different forecast scenarios with ease
•  Segment products, performance and risk with a high level of granularity
•  Receive automated alerts and notifications

 

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Risk weighting – APRA Prudential Standards (APS) 112 and 120

 

•  Reduce cyber risk through automated APS 120 data feeds from source issuers
•  Enrich APS 112 analysis with NIM and PD for risk informed pricing
•  Access integrated and unified portfolio calculations across assets
•  Improve decision making with “what if” scenario analysis for portfolio decisions
•  Obtain a single source of truth for capital decisions and underwriting policy
•  Automate data feeds derived from balance sheet assets
•  Enable APS 120 compliance
•  Segment products, performance and risk with a high level of granularity
•  Meet new APS 112 requirements for risk weighted assets by segment

 

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Case study: Beyond Bank

Beyond Bank uses Perpetual Business Intelligence to help them manage their rapidly-growing mortgage portfolio. We interviewed Chief Risk Officer, Ray O’Brien, at the COBA Conference to find out why a turnkey mortgage analytics platform is so valuable to Beyond Bank.

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To find out more:

 

Email us at pctsales@perpetual.com.au to discuss how Credit and Risk Intelligence can digitise both your regulatory and risk processes – and enhance decision making.

Meet the team

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Glen Dogan
General Manager Sales & Marketing, Perpetual Corporate Trust
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Huw Moorcraft
Account Director, Data & Analytics Solutions
Glen Dogan
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Glen Dogan

General Manager Sales & Marketing, Perpetual Corporate Trust
Phone +61 2 9229 9618
Bio

Glen has responsibility for sales and marketing strategies across Funds Management, Debt Markets and Perpetual Digital service offerings. He has spent the past seven years managing the PCT sales team and its growing client base in Australia, the Asia Pacific, Europe and the Americas. His strengths are in developing client relationships and executing against business development and marketing strategies - skills he has honed over 20 years in the financial services industry.

Prior to Glen’s current role, he was the Senior Vice President of Sales and Marketing in Perpetual’s Singapore business, where he was instrumental in growing the company’s Asian trustee business.  He was primarily responsible for helping clients list their fund vehicles on the Singapore Stock Exchange as well as assisting them with cross-border transactions into Australia.

Glen holds a Bachelor of Accounting and sits on the Perpetual Corporate Trust Investment Committee.

Huw Moorcraft
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Huw Moorcraft

Account Director, Data & Analytics Solutions
Phone +61 2 9229 9129
Bio

Huw has responsibility for leading business development, sales strategy and client relationships for Perpetual Digital; Perpetual Corporate Trust’s (PCT) innovation company.

Huw has extensive experience working with financial services and banking organisations – both in Australia and internationally – to help them digitally transform to regain and retain their strategic advantage.

At PCT Huw helps businesses become more effective, economical and efficient while at the same time maximising cyber security and ensuring regulatory compliance.  He does this by helping clients solve complex operational challenges to support their business strategy, enabling them to move away from legacy technology, manual processes and spreadsheets onto cloud-based Software-as-a-Service.

Huw joined Perpetual in early 2019, having spent the previous 10 years in software account management specialising in process automation, enterprise architecture and operational risk management within banking and financial services sectors. Huw holds a Batchelor of science (BSc) in Ocean Science.

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*Perpetual Digital’s records as of June 2021

Data and analytics solutions are provided by Perpetual Digital Pty Ltd ABN 62 626 891 978 (Perpetual Digital). This publication contains general information for wholesale clients only. Without limitation, this publication and the content in the Perpetual Intelligence platform (Content) is not intended and should not be used as: (a) an invitation to enter into any legal agreement of any kind; (b) a recommendation, offer or invitation to subscribe for or purchase any investments, securities or financial products of any party (including Perpetual Digital); (c) a substitute for professional financial advice with respect to particular circumstance; or any indicator or prediction of future activity in the financial services industry. As Perpetual Digital does not hold an Australian financial services licence, the Content does not constitute financial product advice. Except as required by law, no responsibility is accepted by Perpetual Digital or its related bodies corporate or any of their officers, employees, agents or associates, for any of the Content or for any action taken by a recipient on the basis of the Content.

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