Quantify Risk Before It Quantifies Your Portfolio
Advanced surveillance toolkit for bank risk managers — Basel III compliance, forensic early-warning signals, ratio stress testing, NPA provisioning, and asset-liability management, all RBI-compliant and updated for 2026.
Automated Credit Pipeline
4-Step Risk Surveillance Workflow
Risk Identification
Study credit, market, liquidity, and interest rate risk frameworks using the comprehensive theory module library.
Quantification & Stress Testing
Run Ratio Stress Simulator, Capital Adequacy Calculator, and Project Sensitivity Simulator.
Early Warning Detection
Forensic Scorecard, Bank Statement Analyzer, Trend Detection Engine for EWS signals.
Capital & Regulatory Compliance
Basel III CRAR analysis with CET1/AT1/Tier 2 breakdown and ALM maturity gap reporting.
Stakeholder Tools Launcher
Risk Assessment Utilities Mapped for Risk Managers
Forensic Scorecard
Detect circular trading, window-dressing, and cash siphoning patterns — your primary NPA early-warning tool.
Open Scorecard →Capital Adequacy (CRAR) Calculator
Analyze CET1, AT1, and Tier 2 capital against Risk-Weighted Assets per Basel III and RBI guidelines.
Open Calculator →Ratio Stress Simulator
Simulate interest rate hikes, inventory build-up, and margin compression to see immediate DSCR and Current Ratio impact.
Open Simulator →Trend Detection Engine
Auto-detect margin pressure, revenue volatility, and performance deterioration across multi-year financial statements.
Open Engine →Bank Statement Analyzer
Isolate non-operational transactions, circular funding, and cash siphoning patterns from borrower bank statements.
Open Analyzer →Structural Position Simulator
Stress-test Balance Sheets across 23+ transformations — identify solvency risks before they materialize.
Open Simulator →Asset Quality Analyzer
Apply forensic haircuts to inventory and receivables to calculate the true liquidity coverage ratio.
Open Analyzer →Associate Mapper
Visualize group structures to detect circular funding, artificial net worth inflation, and group exposure concentration.
Open Mapper →BEP Interactive Engine
Quantify safety buffers and simulate operational leverage risk with real-time break-even graphs.
Open Engine →Project Sensitivity Simulator
Test DSCR sensitivity against raw material cost shifts and interest rate hikes — critical for term loan monitoring.
Open Simulator →NPA Provisioning Mastery
Deep-dive into RBI asset classification, provisioning norms, income recognition standards, and IRAC guidelines.
Open Module →Credit Risk Rating
Master internal credit risk rating methodologies, PD estimation, and risk-adjusted pricing frameworks.
Open Module →My Saved Reports
Save and track forensic audit reports, stress test results, and risk assessment scorecards.
Risk Management Theory Library
Comparison Table
CredWisdom vs Excel Models vs Standalone Risk Software
| Features | CredWisdom | Excel Models | Standalone Risk Software |
|---|---|---|---|
| Basel III CRAR Calculation | CET1/AT1/Tier2 | Manual Formulas | Expensive Licenses |
| Forensic Early Warning Signals | Integrated Suite | None | Separate Module |
| Stress Test + DSCR Simulation | Real-time | Static Scenarios | Batch Processing |
| NPA Provisioning Guide | RBI Norms Built-in | Reference PDFs | None |
| Group Exposure Mapping | Associate Mapper | None | Rare |
| Bank-Ready Export Format | Structured Reports | Unformatted | CSV/Raw |
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