Manage Credit Risk with Predictive Analytics

Bahwan Cybertek's rt360 Early Warning System (EWS) works with TIBCO Predict Solutions to help banks manage and predict credit risks for increased compliance and improved asset quality. The EWS collates borrowers' credit-related information from multiple sources and tracks early credit stress indicators in real time.

Customer Challenge

Banks operate with intense financial risks every day. Without a robust credit monitoring solution, these risks—like fraud or bankruptcy—can quickly exacerbate, impacting the financial health of enterprises and the larger financial market. Banks need a solution that can handle large amounts of information while keeping up to date in real time for the most data-driven decisions.

Partner Solution

The rt360 Early Warning System (EWS) is an AI-based predictive analytics product built for managing credit risk as per global regulatory standards. EWS is underpinned by a powerful engine that ingests thousands of data points from internal and external sources, such as core banking systems, rating systems, and online media. It analyzes this data for early risk identification. Early analysis can help banks build recovery plans, review loans, increase collaterals, and take steps to reduce NPA and improve profitability.

Driven by intelligent automation, EWS enables portfolio managers and credit risk analysts to track large volumes of corporate and retail portfolios for early warning stress indicators. The system also features predictive EWS scorecards to rate default propensity and assign multiple grades.


With an EWS, banks can see many benefits, such as:

  • Improved asset quality through proactive and near real-time identification of borrowers with incipient stress or potential loan frauds
  • Improved regulatory compliance by identifying stressed accounts
  • Increased time to focus on credit growth and profitability

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