XUSP - Banking Analytics
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CROSS UTILITY SCORING PLATFORM<br />
Collection | Risk | Marketing
2<br />
Cross Utility Scoring Platform<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential 14 June 2013
3<br />
• Sutherland has combined<br />
leading technologies, creative<br />
intelligence, with our ability to<br />
provide global support to<br />
Collection, Marketing an Risk<br />
<strong>Analytics</strong> solution for Banks.<br />
• Our Cross Utility Scoring<br />
Platform (<strong>XUSP</strong>) solution delivers<br />
a deployment interface for<br />
various banking analytical<br />
models. It also provides business<br />
specific dashboards powered by<br />
advanced statistics.. .<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential<br />
14 June 2013
4<br />
• Proven best of breed products<br />
• Quick to launch – pre-built interfaces and configurations<br />
• Robust Architecture allows for scale and geo expansion<br />
• Support for multiple languages and currencies to support global<br />
deployment across <strong>Banking</strong> Portfolios<br />
• User specific access and branch level deployment<br />
• Proven PCI-DSS solution<br />
• Service Oriented Architecture that allows feature extensions<br />
• User defined Alerts, Early Warnings and Regulatory specific Capital<br />
Adequacy Computation<br />
• Easy and quick to realize business benefits with single owner of solution<br />
and services<br />
• Xconnect to seamlessly access in server, desktops, tablets and Smartphones<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential<br />
14 June 2013
Which customer can be<br />
used for Cross Sell /<br />
Up-sell?<br />
Which are all high risk<br />
and what pricing grid is<br />
required?<br />
Who is going to be<br />
delinquent…..<br />
Our Risk Grid is not<br />
matching due to<br />
changing environment!<br />
How to Monitor<br />
Policy Triggers<br />
before it breaches?<br />
How should we<br />
track KRI levers<br />
across portfolios?<br />
Which segment to<br />
target effectively?<br />
Reporting &<br />
Automation<br />
Data<br />
Management<br />
Decision<br />
Sciences<br />
Predictive<br />
<strong>Analytics</strong><br />
How, when, what do<br />
we monitor for<br />
regulatory compliance<br />
of model governance?<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
<strong>XUSP</strong>-<strong>Banking</strong> CRM helps <strong>Banking</strong> CXOs<br />
to take informed decision, by providing<br />
comprehensive insight into historical<br />
hidden patterns, created hindsight over<br />
regulatory needs on capital adequacy and<br />
built foresight specific analytical models to<br />
build predictive scores and scenarios.<br />
Sutherland provides platform based BPO<br />
support and with embedded platforms<br />
analytics, financial firms can leverage<br />
quant based decision management into<br />
both application and delinquency<br />
management.<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
Customer<br />
<strong>Analytics</strong><br />
Product Mix<br />
Campaign<br />
Management<br />
Risk<br />
<strong>Analytics</strong><br />
<strong>Banking</strong> Analytical<br />
Needs<br />
Sales &<br />
Marketing<br />
Collection &<br />
Recoveries<br />
Customer<br />
Acquisition<br />
Risk & Basel<br />
Stress<br />
Customer<br />
Intelligence<br />
Product<br />
Assurance<br />
Customer<br />
Assurance<br />
Revenue<br />
Assurance<br />
• SGS offers an integrated Analytical Platform to<br />
address Collection, Risk and Marketing specific<br />
analytical needs<br />
• SGS provides seamless connectivity across<br />
Modeling, Policy, and Campaigns with Call Centre<br />
for effective RoI<br />
• Platforms <strong>Analytics</strong> addresses LOB specific MIS,<br />
Dashboards & Basel Stress Needs<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
Data Integration <strong>Analytics</strong> Communication<br />
• Consolidation across<br />
legacy portfolios<br />
• Data Collation &<br />
Transformation to<br />
enable integrated<br />
view from various<br />
internal and external<br />
data owners<br />
including bureau<br />
data & industry<br />
peers..<br />
• Multiple tools/<br />
solutions and silos of<br />
entities.<br />
• Segmenting clients<br />
for Customer and<br />
Market <strong>Analytics</strong> for<br />
Targeted Marketing<br />
• Building &<br />
Implementation<br />
credit ratings<br />
models.<br />
• Calculating optimal<br />
level of capital<br />
adequacy by Scoring<br />
PD. EAD and LGD.<br />
• Targeting by CLTV<br />
and ROI driven<br />
scoring<br />
• Making IT and<br />
business to<br />
communicate on<br />
common Risk needs<br />
• Seamless<br />
communication<br />
among Policy,<br />
Strategy and<br />
Modeling Teams<br />
• Integrating Call<br />
Centre, Collection<br />
Agents with<br />
Analytically scored<br />
campaigns.<br />
Create<br />
<strong>Analytics</strong><br />
driven eco<br />
system<br />
Create<br />
regulatory and<br />
economic<br />
capital<br />
calculations<br />
Implement an<br />
integrated<br />
architecture with<br />
Customer Touch<br />
Point<br />
Historization<br />
and model<br />
validation /<br />
management<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
Analytic Models- Acquisition / Behavior.<br />
Fraud Propensity Models<br />
Revenue/ Loss Forecasting<br />
Response Models, New Variable Detection<br />
& Bust Out Models<br />
Acquisition Strategy. Campaign/Channel<br />
Effectiveness Analysis<br />
Existing Customer Strategy- Segmentation/<br />
Profitability Analysis<br />
Fraud & Credit Loss mitigation Strategy<br />
Delinquency & Collections Strategy<br />
© 2013 Sutherland Global Services<br />
f ?<br />
(?)<br />
Predictive<br />
<strong>Analytics</strong><br />
Data<br />
Management<br />
Decision<br />
Sciences<br />
Reporting &<br />
Automation<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential<br />
Credit Risk across portfolios & platforms<br />
CRM; Credit Early Warning System<br />
Implementation<br />
Database Marketing<br />
Data modeling. Data mart creation<br />
Regulatory reporting, Performance tracking,<br />
Customized reports<br />
Dashboards-Monthly Ops review decks with<br />
Financials, KPIs,<br />
Forecasting ; Budgeting<br />
Compensation reports.
Predictive Score<br />
Diagnostics<br />
Decision Support<br />
Model governance<br />
• Address risk of exposure by portfolio specific Acquisition Scoring.<br />
• Effectively monitor and control Account Receivables by Delinquency Modeling.<br />
• Integrate Credit Risk, Strategy, and Policies with Predictive <strong>Analytics</strong>.<br />
• Simulate Stress Test and gauge risk exposure across multiple scenarios.<br />
• Calculate optimal level of capital adequacy by Scoring PD, EAD, LGD and RAROC.<br />
<strong>XUSP</strong> helps bank to diagnose<br />
current vintage, helps to drill<br />
down from portfolio to individual<br />
insights.<br />
Allows deployment of predictive<br />
scores and aids in designing<br />
business strategies.<br />
The platform also enable banks<br />
to govern various analytical<br />
models.<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
Account Level Profitability<br />
Performance Score Card<br />
Competition Bench Mark<br />
• <strong>XUSP</strong> gives granular drill down on<br />
customized drill-down on key business<br />
indicators.<br />
• From macro geographies to micro specific<br />
DSA / Branch , the platform helps users to<br />
effortlessly define and track KRIs.<br />
• SGS’s dedicated Research team helps in<br />
updating competitive benchmarks to know<br />
peer level performance and create dynamic<br />
alerts.<br />
Create<br />
active alerts<br />
to KRI<br />
breaches<br />
© 2013 Sutherland Global Services<br />
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Strictly Private and Confidential
Business Summary<br />
Stress Simulator<br />
Score Tracker<br />
Dashboards for senior<br />
management provides<br />
hygiene attributes of models,<br />
economic impact<br />
assessment on stress<br />
simulation and overall<br />
dynamics of DPD, RAROC<br />
and ALP.<br />
Point & click simplicity<br />
Early Warning Signals, Alerts and Stress Test<br />
© 2013 Sutherland Global Services<br />
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Strictly Private and Confidential
• Time-to-market<br />
• Complete Scoring Platform<br />
• 70% complete on four week<br />
• 150 day standard deployment<br />
• Agile Implementation Methodology<br />
• Begin with working application<br />
• Iterative process that involves constituents<br />
<br />
<br />
<br />
<br />
<br />
<br />
Templates<br />
Standards<br />
Guidelines<br />
Reusable Components<br />
Best practices<br />
CoE Framework<br />
Strategy<br />
Specialists<br />
Quantitative<br />
Experts<br />
Risk<br />
Analysts<br />
Models<br />
Strategy<br />
Automation,<br />
Process &<br />
Platforms<br />
Transaction<br />
Data<br />
Data<br />
Scientists<br />
© 2013 Sutherland Global Services<br />
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Strictly Private and Confidential
<strong>XUSP</strong> – N Tier Architecture<br />
Product + Platform<br />
‣ Solution Frameworks<br />
‣ Specialty Accelerators<br />
‣ Platforms & Artifacts<br />
Productization<br />
Artifacts<br />
Models<br />
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Keeping Strategy / Policy Team informed<br />
with analytical decisioneering<br />
Making LOBs literate on common Risk needs<br />
Seamless communication thereby helping to<br />
take informed judgments driven by risk<br />
engine<br />
Rebuilding and improving models by<br />
Historization, model validation &<br />
management<br />
The Cross Utility<br />
Scoring Platform<br />
for Collection,<br />
Risk & marketing<br />
by Sutherland<br />
provides hybrid<br />
analytics and<br />
consulting<br />
solutions with an<br />
IT interface.<br />
Call us<br />
for a<br />
Demo on<br />
SGS’<br />
Cross<br />
Utility<br />
Scoring<br />
Platform<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
Contact Us<br />
© 2013 Sutherland Global Services<br />
Sutherland Proprietary Information<br />
Strictly Private and Confidential
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