Simplifying credit lifecycle

Credit+ Loan Origination streamlines the end-to-end lending process— from borrower onboarding and data collection to initial credit evaluations – while managing complex workflow configurations. Built to handle multiple credit structures and multi-entity exposures, the solution allows credit teams, risk analysts, legal and compliance teams to collaborate effectively and drive credit lending.

The solution leverages GenAI to fully automate credit proposal generation and evaluation, allowing for faster turnaround and institutionalizing the credit expertise. With intelligent automation and intuitive user interface, it helps banks minimize manual errors, while enhancing user experience.

Powering credit risk decisions

Credit+ ICON is our next generation underwriting platform engineered to transform and optimize the credit evaluation lifecycle. Leveraging advanced analytics, Generative AI, and machine learning, it automates financial spreading and delivers deep, multi-dimensional risk assessments. With built-in flexibility, consistency and regulatory compliance, Credit+ ICON empowers users to make accurate and confident credit decisions.

Designed with vendor independence at its core, the platform supports extensive configuration, enabling financial institutions to standardize credit assessment processes while tailoring them to align with individual credit policies and risk appetite frameworks. By digitizing the end-to-end underwriting journey, Credit+ ICON reduces manual effort, enhances operational efficiency, accelerates decision-making, and ensures sustained credit quality.

The platform also provides robust risk measurement capabilities, calculating key regulatory and internal risk metrics such as Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD), supporting Basel compliance and internal risk frameworks to manage credit risk in banking book and trading book.

With powerful risk analytics, high configurability, and strong model governance, Credit+ ICON is trusted by leading banks in over 10 countries, proving itself as the underwriting platform of choice for modern, risk-aware financial institutions.

Delivering smarter pricing insights

Credit+ Pricing Engine empowers banks with dynamic pricing intelligence, enabling data-driven decisions that support growth, compliance, and sustainable profitability. It leverages machine learning and flexible pricing tools to optimize loan pricing by factoring in risk-adjusted returns (RAROC), funding costs, and market competition.

Fully configurable to reflect internal policies and real-time market conditions, the solution enables optimal pricing that balances profitability targets with customer acquisition goals. The solution’s real-time scenario analysis, look-back analysis and margin tracking empower relationship teams to dynamically model different pricing structures and provide relevant analytics.

Credit+ Pricing Engine transforms loan pricing into a strategic advantage, encompassing relationship management, compliance, and optimized capital allocation, enabling banks to compete effectively while maximizing returns.

Automate Reporting and Risk Calculation

Crisil's Capital Assessment Module software (CAM) streamlines and automates the complex process allows banks to store data, evaluate financial metrics, and produce comprehensive credit assessment reports, facilitating quicker, compliant, and more efficient loan decision-making.

Driving decisive intelligence

Leveraging real-time data feeds, AI-powered early warning signals, and fully customizable dashboards, our platform provides a comprehensive view of credit exposures and borrower behavior. It helps users monitor portfolio health proactively with automated covenant tracking, instant notifications on credit migrations, and in-depth analytics that offer granular portfolio insights.

Our integrated stress-testing capabilities allow you to simulate adverse market conditions, forecast potential credit events, and support strategic capital planning with confidence.

Our Portfolio Monitoring module helps banks achieve superior risk management through smarter surveillance, timely interventions, and data-backed decision-making.

Real-time, AI/ML based credit decision-making

Our real-time credit-decision engine helps banks and financial institutions improve customer experience by enabling straight-through processing for retail lending products, and further reduces process turnaround time and manual errors.