Average Ratings 0 Ratings
Average Ratings 0 Ratings
Description
Rubix allows you to evaluate the risk associated with your counter-parties throughout the entirety of your business interactions. By utilizing Rubix, you can make informed credit decisions, strengthen your supply chain, and ensure compliance with your business associates both in India and globally. Before engaging with a new distributor, dealer, customer, franchisee, supplier, vendor, or service provider, it is crucial to conduct a thorough on-boarding risk evaluation of the organization. For institutions such as Banks, Fintech companies, or Non-Banking Financial Companies (NBFCs), performing an identity verification (including KYC, AML, and compliance checks) at the loan initiation stage is essential, followed by an independent credit risk evaluation during the decision-making process for loans. Given the rapid evolution of a firm's risk profile in today's highly interconnected and unpredictable business landscape, it is vital to stay informed. Once you become a Rubix user to oversee your portfolio, you will gain the ability to monitor shifts in a firm’s risk profile and significant developments affecting it through the automated risk management features of Rubix, ensuring that you remain proactive in your risk assessment efforts. This ongoing monitoring ultimately helps to safeguard your business interests over time.
Description
The challenges posed by bad debts are more pronounced for SME loans compared to other retail financing options. To tackle these issues, it is essential to leverage skilled resources effectively, and no organization does this better than Scorto. There is a pressing need to lower operational costs associated with SME loans while simultaneously enhancing operational efficiency. In light of the intense competition within the SME market, it is crucial to continually refine credit strategies and accurately measure performance. A thorough financial analysis of potential borrowers' businesses is necessary, along with the automation of the SME loan application process. Implementing risk-based pricing is vital, as is conducting comprehensive credit risk assessments throughout the entire loan lifecycle. Companies must also focus on scoring, rating, and segmenting their clients. Additionally, evaluating payment dynamics and assessing credit risk involves estimating crucial parameters such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), which are necessary for calculating Risk-Weighted Assets (RWA) as per Basel II guidelines. Furthermore, tools for supporting Cross-Sell and Up-Sell decisions should be integrated, along with effective Business Rules and Process Management for SME lending. Regularly automated re-evaluation of default risk and key financial ratios is essential for an accurate analysis of SMEs. This comprehensive approach not only mitigates risk but also fosters growth and stability in the SME lending landscape.
API Access
Has API
No
API Access
Has API
No
Integrations
No details available.
Integrations
No details available.
Pricing Details
No price information available.
Free Trial
No
Free Version
No
Pricing Details
No price information available.
Free Trial
No
Free Version
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Deployment
Web-Based
Yes
On-Premises
No
iPhone App
No
iPad App
No
Android App
No
Windows
No
Mac
No
Linux
No
Chromebook
No
Customer Support
Business Hours
Yes
Live Rep (24/7)
No
Online Support
Yes
Customer Support
Business Hours
No
Live Rep (24/7)
No
Online Support
No
Types of Training
Training Docs
Yes
Webinars
Yes
Live Training (Online)
No
In Person
Yes
Types of Training
Training Docs
No
Webinars
No
Live Training (Online)
No
In Person
No
Vendor Details
Company Name
Rubix
Country
India
Website
rubixds.com
Vendor Details
Company Name
Scorto
Founded
2001
Country
United States
Website
scorto.com/loan-manager-sme/
Product Features
Product Features
Commercial Loan
Asset Management
Yes
Audit Trail
Yes
Complex Debt Structures
Yes
Dashboard
Yes
Document Management
Yes
Exposure Management
Yes
Lead Management
Yes
Pipeline Management
Yes
Risk Management
Yes
Trend Analysis
Yes
Loan Servicing
Accounting Management
Yes
Amortization Schedule
Yes
Application Management
Yes
Auto Loans
Yes
Automatic Funds Distribution
Yes
Business Loans
Yes
Collateral Tracking
Yes
Collections Management
Yes
Compliance Management
Yes
Construction Loans
Yes
Customer Database
Yes
Fee Management
Yes
Investor Management
Yes
Loan Processing
Yes
Student Loans
Yes