An end-to-end platform for the RBI ECL framework.
ECL Express is a production platform — not a slide deck. Every module described below is running today at U.S. CECL clients and extended for Indian regulatory profile.
- Modules
- 7
- Methodologies
- 5
- Deployments
- Cloud / VPC
- Standards
- RBI · IFRS 9 · CECL
Portfolio Management
A single, governed source of truth for loan-level exposure. Direct integration with core banking systems, reconciliations against general ledger and full lineage to source files.
- Loan-level golden record across products
- Reconciliation to general ledger and core
- Versioned data snapshots per reporting period
- Built-in quality checks and exception workflow
Pooling & Segmentation
Risk-homogeneous pools aligned to RBI guidance. Re-segmentation impact assessment is documented and version-controlled, so every change is defensible to internal and external review.
- Product, geography, vintage, rating, behavioural segments
- Versioned pool rules with effective dating
- Re-segmentation diff and impact report
- Pool-level documentation pack
ECL Engine
Lifetime and 12-month expected credit loss computed at loan-level using PD, LGD and EAD term structures. SICR rules drive stage migration with full auditability.
- Loan-level PD × LGD × EAD term structures
- Stage 1 / 2 / 3 classification with SICR triggers
- 12-month and lifetime ECL, side by side
- Five regulator-accepted methodologies
Scenario Management
Define, version and weight base, adverse and severely adverse scenarios. Probability-weighted ECL is computed with full traceability to underlying macroeconomic assumptions.
- Custom and RBI / IMF reference scenarios
- Probability weighting with overlay log
- Macroeconomic factor library
- Scenario comparison and sensitivity reports
Qualitative Adjustments
Structured fields, rationale and supporting evidence for every management overlay. Side-by-side comparison of base allowance versus qualitative-adjusted allowance.
- Per-pool adjustments with audit trail
- Reusable templates with locked methodology
- Base vs adjusted comparison views
- Sign-off log for every overlay
Governance
Maker–checker workflows, role-based access, model versioning and sign-off records — the controls that make RBI inspections and statutory audits straightforward.
- Role-based access and segregation of duties
- Model version control and effective dating
- Approval and sign-off records
- Lineage from board pack to loan-level data
Executive Dashboards
Board, ALCO and CRO reporting surfaces aligned to RBI disclosure templates, with one-click drill-through to underlying loans, pools and scenarios.
- Board and ALCO packs
- RBI submission templates
- CRO operational dashboards
- Drill-down to loan level
Talk to our team.
A short conversation with our implementation leads will save months of internal scoping.