Strategic Business Opportunities and Technological Tailwinds
Retail risk framework
Early Indicator of Stress identification
through - Bounce Rates, 6 MOB 30
plus, early mortality, 12 MOB 90 Plus,
roll rate analysis etc
Analytics driven collection strategies
(high-touch/low touch) based on
leading indicator outcome
New Age
Portfolio
Customer group, segmental and portfolio Management
•
level monitoring
Monitoring portfolio based on LTV,
Collateral Type, Bureau Score
Segmentation Score to facilitate retention
and collections strategy
RBL BANK
Years In Your Service
ESTABLISHED IN 1943
Risk Appetite
Statement
Retail Risk
Framework
Risk
Dashboards
Clearly defined threshold of risks are
defined for each portfolio, segment,
geography; regular review and internal
calibration of risk thresholds
Monthly reviews at various level across
the bank and business strategies pivoted
on a real-time basis
Early
Warning
In-house EWS framework (more than 200
triggers), use of partnership platforms for
additional triggers
Usage of Bureau data up to PIN code level
for geographical expansions & periodic
portfolio scrub to monitor portfolio health
Internal & external credit markers; generic
+ trigger based action matrix
Adapt to
Changing
Regulatory
and Market
Signal
Dynamics
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