Risk Management Services
Credit Risk Management
Generating Risk Management Impact
Genpact provides integrated Credit Risk solutions that seamlessly blend advisory, process redesign and analytical skills with enterprise-wide risk management capabilities to reduce the costs of regulatory reporting and compliance. Our structured approach includes Risk Prioritization, Risk Modeling, Credit Scoring, Portfolio Reviews, Capital Impact Assessments, Back Testing and Stress Testing.
Our approach to credit risk is comprehensive and based on years of experience in process management. We start by prioritizing an organization’s risk and select the right data for relevant models and analytics to perform integrity, control and compliance reviews. We leverage widely used frameworks that comply with the requirements of major regulators. Utilizing Risk Maps, we identify inherent weaknesses in key business processes, and then quantify and qualify the significance of resulting loss exposures.
A global consumer finance company with US$160 billion in assets was experiencing changes in customer usage patterns and risk profiles, along with changes in business strategy. To provide the right credit line to the right customer, Genpact did a portfolio-segmentation breakdown based on customer spend, revolving behavior, future consumption propensity, and risk profile. Credit line adjustments based on business constraints, customer need, and seasonality opened the way for an annual increase in sales of US$8.2 million.