LEVERAGING AI TO MOVE FASTER FROM A REACTIVE TO A PROACTIVE APPROACH FOR CREDIT PORTFOLIO MONITORING

axeEWS: AI-Powered Early Warning Signals

The later a bank responds to a deterioration in customer’s creditworthiness, the fewer mitigation solutions remain to minimize potential losses. Bankers are continuously looking for a solution to proactively enhance credit portfolio quality, anticipate loan delinquencies, and build optimal recovery plans.

axefinance addresses seamlessly this need thanks to its innovative AI-powered Early Warning Signals Solution, axeEWS, bankers are now simply exploring and mining an extensive range of data sources to easily generate model-based, unforeseen, and relevant early warning signals.

DATA INTEGRATION AND A ROBUST FRAMEWORK, THE BACKBONE OF A SUCCESSFUL EWS MODEL

axeEWS solution is designed for lenders tracking significant customer’s data, their financial transactions, as well as any interactions or activities captured through their several and various strategic as well as operational systems. axeEWS model is built to trigger alerts based on a set of signals. These signals can be configured based on engineered features and AI generated Data related to the borrower’s financial, industrial, geographical, and/or behavioral context.

A robust and standard framework is key to build and customize performing Machine Learning pipelines. It includes a wide range of features to support tech-savvy business experts in the ingestion and processing of structured and unstructured data aiming to produce and deploy high-performing AI-Powered Early Warning Signals models. Mechanisms are set to continuously monitor data quality and its distribution in production environment and impact on model performance.

TIMELY DETECTION OF DELINQUENT LOANS

axeEWS allows to monitor high volumes of internal & external data, automating knowledge extraction and analysis through state-of-the-art techniques such as Natural Language Processing (NLP), Predictive Analytics, Big Data Mining, and Clustering.

WHY CHOOSING axeEWS?

  • axeEWS uses advanced algorithms to engineer features profiling and summarizing customers’ behavior over time.
  • axeEWS is a dynamic self-tuned model continuously improving its prediction capabilities and consequently the overall credit portfolio quality.
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