IFRS 9 gap analysis and automation
Turn IFRS 9 into a management tool
A full PD, LGD and EAD model suite, validated to IFRS 9 and Basel III standards, forward-looking, not just compliant.
IFRS 9 ECL Review
6–8 weeks · highest impact
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Credit Risk
Transforming the credit lifecycle
Analytics, automation and AI for smarter credit risk processes.
8M+
More South Africans accurately scoreable with alternative data
+25%
Predictive lift from cash-flow and behavioural signals
Most lenders are already sitting on the data to do this.
Flagship
Collections Insights Dashboard
Collections behaviour is the biggest driver of impairments. Risk-based segmentation and channel optimisation direct collector time and outreach to the accounts most likely to pay.
Collections Segmentation
4–6 weeks · fast win
Beyond the dashboard
Three offerings that build out the rest of the credit risk pillar.
Model monitoring
Catch deterioration before arrears
Daily risk scores combine behavioural, transactional and macro signals, so early warning fires before the account is already late, and your models keep performing as the book changes.
Model Monitoring Setup
6–8 weeks · ongoing oversight
Process automation
Take the manual work out of credit
AI document intelligence and workflow automation cut time-to-decision and remove manual re-keying across origination, monitoring and collections.
The repeatable package
Gap analysis, fix and automate, productionise, then refresh twice a year, synced to your audit cycle.
1
Gap analysis
Of your current IFRS 9 process against the standard.
2
Fix & automate
Close the gaps and automate what's left in spreadsheets.
3
Productionise
Impairment values post straight to the general ledger.
4
Refresh
Twice a year, synced to your audit cycle, recalibrated when the standard changes.
IFRS 9 is regulatory-forced, not nice-to-have
Central banks review IFRS 9 compliance on a recurring cycle, and the penalties for falling short can be severe. Most lenders are still running provisioning off ad hoc desktop spreadsheets, processes that will not survive close scrutiny.
Let's build it.
Your credit data already contains the answers, we help you find them.