Early Warning System (EWS) for one of the largest Public Sector Banks in India

Objective is to implement a robust and highly scalable Credit Monitoring Solution using advanced analytics that can provide rule engine – that provides facility of configurable analytical routines to analyse data and serve as input for alerts, maintain alert generation and workflow Management system.

Business Challenges
• Bank wanted to prevent overhang of bad loans on their books across both the public and private sector
• Unable to effectively combat the prevalence of loan frauds and identifying stress in their loan portfolio
• Unable to identify NPAs proactively

Solution Proposed
• SAS Data Management
• Oracle RDBMS
• SAS VIYA Server
• SAS Visual Investigator
• SAS Visual Analytics

Solution Implemented
• Integration with Bank’s Internal source systems and External data APIs
• Implemented EWS scenarios using AI-ML to detect the alerts and for workflow management
• Creating multiple user level and operational dashboard using analytics

Customer Benefits
• Limit the chances of borrower default and prevent exposure with defaulting borrowers
• Loan rejection based on more detailed analysis
• Proactively identify bad creditors and take measure to safeguard banks interests
• Reduce the possibility of NPA by proactively analysing the external and internal data