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    • Overview

      TCS is here to make a difference through technology.

      Leading the way in innovation for over 50 years, we build greater futures for businesses across multiple industries and 131 countries.

      Discover all solutions
    • Industries
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      • ignio™
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    • ignio™
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      We’re in it for good, driving positive change for the benefit of all.

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      27 Nov 2023 TCS launches new Generative AI practice in collaboration with AWS
      22 Nov 2023 TCS Ranked #1 in Spain for Customer Satisfaction in Service Delivery Among IT and Cloud Services Providers
      20 Nov 2023 ASX signs agreement with TCS to replace its cash equities clearing and settlement platform
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    • Banking/ Solution

    Credit Monitoring and Control Suite

     

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    • Banking Tag

      Banking on purpose-led ecosystems

      TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
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    Using cognitive technologies to help banks manage risky credit portfolios post COVID-19

     

    CHALLENGE

    The world over, government-announced COVID-19 relief packages are helping businesses of all sizes to tide over financial stress. By providing funding to meet short-term requirements, these programs have ensured that businesses that were healthy prior to the crisis do not go bankrupt due to exogenous events. However, many of these businesses will continue to remain fragile even after the economic activity recovers. Banks must therefore enhance their monitoring mechanisms to proactively detect signs of stress and maintain the health of their portfolios.

    TCS SOLUTION

    TCS offers a range of solutions and services in the credit monitoring space. Our Credit Monitoring and Control Suite comprises a set of cognitive models for monitoring the health and stability of businesses of various sizes. At the credit origination and underwriting stages, these models guide underwriters to stipulate appropriate covenants based on borrower and deal characteristics and the bank’s credit policies. In the servicing stage, the models run advanced early warning signal models to proactively detect signs of stress and advise bankers to initiate steps to mitigate the stress. The solution improves covenant monitoring by automating the tracking process and making it periodic, thereby  driving compliance to credit stipulations. These solution components provide a framework to develop bank-specific models and automation for credit monitoring and control.

    BENEFITS

    TCS’ Credit Monitoring and Control Suite helps:

    • Enhance underwriting through effective covenants specification based on larger knowledge base
    • Preempt credit default by proactively identifying signs of stress
    • Increase rigor of credit monitoring, enabling early stress detection and interventions
    • Reduce cost and effort for credit monitoring
    • Minimize errors due to elimination of manual credit monitoring processes

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