Dashboards built for analysis and audit.
ECL Express is a purpose-built ECL platform — five regulator-accepted methods per loan pool, all required market data included, and a clear audit trail from loan-level data through to ECL results.
Choose the right method for every loan pool.
ECL Express allows maximum flexibility in model choice — enabling you to continuously optimise liquidity, P&L, and manage capital and required loss provisions per the RBI ECL framework.
As loan portfolios diversify — retail mortgages, vehicle finance, MSME, microfinance — targeted methods per pool become essential. ECL Express lets you assess and selectively use results for each pool and method.
Purpose-built views for every step of ECL.
From portfolio review to method selection and method-specific deep dives — designed for analysts, auditors and examiners alike.
Full ECL results and loan book details at a glance
- Full ECL result and loan book details
- Multiple economic scenarios from base level to severe stress
- Macroeconomic factors displayed graphically
- Graphical and tabular breakdown of ECL by pool and loan
Intuitive navigation for analysis and audit
- Intuitive navigation around the system for analysis and audit
- Full loan details displayed to ensure data integrity
- All portfolio data mappings fully explained
- Portfolio summary and upload details shown for veracity
Pool-level ECL method selection and review
- Dedicated screen to select ECL methods by pool
- Choice of five regulator-accepted methods
- Compare results across methods for each pool
- Every pool listed by product line or class code
Weighted Average Remaining Maturity overview
- Specific results for all pools using the WARM methodology
- Macroeconomic factors used in the ECL computation
- Graphical representation of amortised cost and loss allowance
- Unadjusted loss rate for each pool using the ECL method
DCF approach with loan-level transparency
- Visual breakdown by pool and account
- Amortised cost breakdown of loans using the DCF method
- Analysis of loan book by principal
- Loan-level results including EIR and other contributing calculations
Roll Rate analysis across pools and loans
- Specific results for all pools using the roll rate
- Loan-by-loan breakdown of roll-rate-specific results
- Relevant qualitative overlays applied to the loss calculation
- Graphical representation of ECL by loan maturity
Talk to our team.
A short conversation with our implementation leads will save months of internal scoping.