Risk & Credit Intelligence
We partner with industry leaders
Core Solutions We Offer
AI-Driven Credit Scoring & Decisioning
Quickly and accurately assess the risk of any borrower—whether retail, SME, or institutional—by drawing on transaction data, bureau scores, cash flow patterns, and even behavioral signals. Every approval or decline comes with a transparent explanation, so underwriters and auditors can see exactly why a decision was made. Reduce manual reviews, expand credit responsibly, and prove fairness to regulators and clients alike.
Portfolio Risk Analytics & Stress Testing
Gain a real-time, 360-degree view of all exposures—across products, geographies, industries, and client types. Interactive dashboards reveal where concentrations, correlations, or credit cliffs could threaten your balance sheet. Scenario testing lets you model the impact of interest rate moves, macro shocks, or sector downturns before they hit your portfolios, helping you manage capital buffers and adjust limits proactively.
Early Warning & Default Prediction Signals
Spot credit problems before they show up in missed payments. Machine-learning models monitor every account and borrower for warning signs—like cash flow strain, rising utilization, negative sentiment, or external credit downgrades. Proactive alerts route high-risk cases to collections or remediation teams, giving you a head start on recoveries and reducing both losses and write-offs.
Real-Time Transaction & Payment Risk Analytics
Monitor every loan disbursement, payment, and transaction for signs of fraud, misuse, or operational risk. The system detects suspicious payment patterns, unusual amounts, or hidden relationships in real time—blocking risky flows and sending immediate alerts for human review. This strengthens both your credit controls and compliance with anti-fraud regulations, especially in digital and high-volume environments.
Automated Regulatory Compliance & Model Governance
Eliminate the stress of audits and compliance checks. Every risk and credit model is version-controlled, bias-tested, and automatically logged for audit trails—meeting IFRS 9, Basel IV, and local credit-risk mandates. Dashboards provide live views of model performance, data lineage, overrides, and validation history, so risk, compliance, and IT teams always know they’re in sync.
Integrated ESG & Sustainability Risk Scoring
Seamlessly include climate, social, and governance factors in every credit and portfolio decision. The platform analyzes ESG data from disclosures, news, and external providers, scoring each client, loan, or investment for sustainability risk. This supports green lending goals, aligns with regulatory expectations, and helps your institution show leadership on climate and responsible finance—while still safeguarding the bottom line.
Industries & Teams That Benefit
Banking Institutions (Retail, Commercial, Investment)
Banks face constant margin pressure from non-performing loans, legacy risk models, and evolving regulatory expectations. With Aspagnul’s real-time credit scoring and early-warning analytics, banks spot deteriorating borrowers before defaults hit. Live portfolio dashboards let treasury and ALM teams optimize capital and dynamically adjust risk appetite—improving loan book quality, boosting approval rates for strong clients, and reducing compliance headaches.Wealth & Asset Management
Asset and wealth managers are expected to blend growth, stability, and sustainability for discerning clients. Aspagnul enables instant slicing of credit portfolios by sector, borrower strength, and ESG score. Portfolio managers drill into underlying cash flows, stress test exposures, and react to market or policy shifts in minutes—not months—ensuring portfolios outperform benchmarks and meet clients’ long-term mandates.Investment Firms (Private Equity, Venture Capital, Family Offices)
For investors and deal teams, traditional due diligence is slow and incomplete. Aspagnul brings data-driven “survival” forecasting for every investment—incorporating burn rates, sentiment, and funding odds—so analysts spend less time chasing reports and more time structuring winning terms. This translates to quicker closes, higher-quality exits, and better risk-adjusted returns.Fintech Lenders & BNPL Platforms
Fast, accurate credit decisions are mission-critical for digital lenders and BNPL. Our instant scoring, payment analytics, and explainable models slot right into onboarding or checkout, letting platforms scale safely and automate compliance for partnerships. Fraudulent applications are caught up front, while strong borrowers get frictionless approval—maximizing conversion without increasing head-count.Trading & Capital-Markets Desks
Dealers and trading firms are exposed to counterparties and market volatility. Aspagnul monitors rating-agency moves, credit spreads, and default signals in real time—re-pricing margin and flagging settlement risk automatically. This protects both principal and client assets, and ensures regulatory alignment during periods of market stress.Insurance, Pension & Reinsurance Firms
Insurers, pensions, and reinsurers must manage long-tail credit risk against strict regulatory capital rules. Aspagnul stress-tests exposures under adverse macro or climate scenarios, integrates ESG scores into lending and investment, and monitors claim-payment fraud. Firms get early visibility on risks to reserves and solvency—helping compliance and underwriting teams stay a step ahead.Alternative Securities & Crowdfunding Platforms
Crowdfunding and alternative investment platforms struggle with fraud, borrower opacity, and credibility. With real-time borrower and payment risk scoring, Aspagnul boosts trust for both institutional and retail investors. Fraud-probability ratings and automated disclosures on every listing enhance transparency, speed up funding, and attract more sophisticated backers.Corporate Treasury & Finance Groups
Treasury teams face growing uncertainty from supply-chain credit, vendor defaults, and shifting liquidity needs. Aspagnul overlays rolling cash-flow forecasts with vendor-risk ratings and covenant triggers. This gives CFOs a proactive dashboard for optimizing working capital, planning credit line draws, and ensuring business continuity—no matter what the market throws at them.Problems or Missed Opportunities Solved
- Outdated Credit-Scoring Models - Legacy scores update only quarterly, causing lenders to miss shifts in borrower risk, while Aspagnul recalculates nightly using fresh behavioral and market data for timely, accurate lending decisions.
- Slow Downgrade & Early-Warning Triggers - Most systems spot delinquencies only after payments are missed, but Aspagnul’s real-time analytics flag liquidity stress and risky behaviors up to two billing cycles earlier so you can intervene before losses mount.
- Opaque, Hard-to-Explain Decisions - Traditional “black box” credit models leave clients and regulators in the dark, but Aspagnul delivers full transparency, showing the top reasons and alternative scenarios behind every approval or decline.
- Poor Portfolio Visibility & Control - Manual spreadsheets bury emerging risks, while Aspagnul’s live dashboards let risk teams instantly filter exposures by product, region, or covenant status and take action before trends become problems.
- Inflexible Underwriting and Policy Management - Old-school rule changes take weeks and risk compliance gaps, but Aspagnul enables instant policy updates, impact simulations, and safe deployment—boosting agility and governance.
Case Study
Real Results from Financial Leaders
Certifications & Compliance
Benefits of Using the Solution
Smarter, Faster Credit Decisions
By combining behavioral data with traditional bureau inputs, Aspagnul slashes median approval times from 48 hours to under 5 minutes while boosting accuracy scores by an average of 9 points.
Proactive Risk Prevention
Our early-warning models detect deteriorating accounts weeks in advance, reducing delinquency roll-rates by up to 25 percent and freeing up capital that would otherwise be held for provisions.
End-to-End Regulatory Alignment
Every model run automatically generates full validation reports—complete with data-drift charts, challenger comparisons, and bias-impact analyses—so you’re always audit-ready.
Agile Product-Segment Flexibility
Swap credit scorecards on the fly by channel (branch, mobile, broker), product (lease, line of credit, trade finance), or region—no coding or IT projects required.
Lower Cost, Higher Throughput
Clients typically see a 30–50 percent drop in manual reviews and can reduce credit-operations head-count by 20 percent within the first year, delivering rapid ROI.
Unlock Intelligent Growth
From onboarding automation to compliance and fraud detection, Aspagnul delivers end-to-end AI-powered solutions that drive efficiency, security, and scale for modern financial institutions.
Process Flow
Risk Strategy & Model Planning
Data Integration & Quality Assurance
Modeling & Interpretability
Pilot & Stress Simulation
Deployment & Risk-Ops Enablement
Continuous Monitoring & Governance
Why Aspagnul Is the Ideal Partner
Frequently Asked Questions
Q1: What types of credit products can you support?
Q2: Are your credit scores fully explainable for regulators?
Q3: Can we run our own in-house models alongside Aspagnul’s?
Q4: How frequently are models retrained and updated?
Q5: Will this integrate with our loan-origination and core banking systems?
Q6: Do you leverage synthetic data in model training?
Let’s get in touch
We’re excited to hear from you and to start something special together.
- Money-back guarantee if you don’t receive what we promise.
- Full financial and technical analysis of your current situation.
- Full support from the moment of our first contact.
Quick contact
Turn your financial operations with purpose-built AI solutions that reduce costs, accelerate growth, and ensure regulatory compliance across financial institutions.