Kepler EWS

Scalable platform to define and monitor early warning signals 

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Monitoring early warning signals powered by
Kepler EWS include

A Single Platform for all Customer Categories

Retail customers
Small and medium enterprises
Large corporates and conglomerates

Advanced Analytics for Business Decision-Making

Combine EWS using multiple aggregation criteria for faster decision-making
Easily change any aggregation criteria from the front-end

Meeting Accounting and Provisioning Terms

Identification of Watchlist, Stage 2 and At-Risk Customers/ Segments 
Fulfil regulatory/ accounting and provisioning requirements based on identification criteria

Connect with Internal & Third-Party Databases to Obtain Accurate Results

Connect to macro-economic data, market data, bureau reports, internal transaction systems or third-party systems
Avoid pre-defined EWS getting irrelevant with change in environmental factors and business conditions. 

Pre-built and up to date financial and regulatory provisions

Out of box regulatory reporting with capability to construct your reports on the fly
Financial reporting and disclosures configured in line with local requirements
Drill-through from regulatory and financial reports
Pre-built workflows and approval mechanism to respond to deviations and triggers

Pre-built repository of 100+ early warning signals for immediate use

Financial

  • High value payments

  • Large cash withdrawals from loan accounts

  • Increase in Fixed Assets, without corresponding increase in long term sources

  • Increase in borrowings despite having large cash and cash equivalent holdings

Management

  • Significant reduction in the stake of promoter/director

  • Increase in the encumbered shares of promoter/director

  • Resignation of key personnel

Operational

  • High value cheque bounce

  • Delays in payment of outstanding dues

  • Address change

  • Overdue high value bills

Legal

  • Waiver of KYC documents

  • Concealment of documents or information related to loan

  • Unusual delay in submission of post disbursement documents

  • Material discrepancies in financial statements/ annual report

External

  • Decline in credit scores

  • Significant fall in market capitalization

  • Credit rating downgrades

  • NPAs outside the bank

Collateral

  • Dispute on title of collateral securities

  • Fall in price/ value of collateral

  • Non-compliance with terms of sanction

...covering different customer segments

A fully automated EWS platform to proactively monitor risky assets

Additional features available in our platform

Configurable asset
grouping module

Customizable credit risk factor repository

ML and NLP based 
algorithms

Multi-factor based 
exposure ranking

Business intelligence
layer for insights

Large data ingestion
capabilities

Response capture
on EWS alerts

Workflow based 
remediation plans

Interested in knowing more? 

Click on the button below to request a demo

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