Banks
We provide granular data and automated tools to help banks optimize credit granting, manage Forward Flow contracts, benchmark collection agencies, and streamline portfolio valuations. No matter collection partners and consistently over time.
By offering structured, high-quality data in standardized formats, we enable better decision-making, clear view on Loss Given Defaults (LGD), portfolio optimization with regards to NPL Backstop regulation, increased transparency, and improved efficiency.
Granular Credit Forecasting
High-level loss calculations lack granularity, and inconsistent, low-quality data makes credit analysis and optimization unreliable.
Dignisia provides granular, standardized, and automated data updates for all analytical needs, ensuring high-quality and consistent insights. From accurately forecasting credit losses (LGD, PD), to optimizing credits (e.g. pin-pointing risk groups and straight rollers)
Forward Flow & NPL Management
A common issue with Forward Flow contracts is that they are poorly monitored, leading to disputes, declining prices, and loan book increases and NPL backstop sales are complex and inefficient.
This is where we come in, with the Dignisia app you can easily monitor Forward Flow contracts, spot early risk indicators, and ensure pre- and post-sale data for valuation, contract monitoring, and optimized sales strategies.
Benchmarking & Performance Analysis
With Forward Flows becoming less common, benchmarking collection agencies has become more important than ever. Yet, many struggle with inconsistent data and reporting, making it hard to draw accurate comparisons.
Dignisia delivers a solution combining robust tools and industry expertise to help you compare performance, uncover insights, and optimize your distribution strategy
Portfolio Valuation & Credit Optimization
Spot sales can sometimes become inefficient and time-consuming. Often, the datasets look different, making it difficult for a buyer to assess the risk and offer the best price
with our automated valuation methods, ready-made datatapes, and structured data enable accurate portfolio pricing, smoother sales, and optimized credit scoring.