We've already solved this problem — in the United States.
ECL Express is built and operated by GreenPoint Financial — a team with three decades of senior credit risk experience at global banks and years of running CECL in production for U.S. institutions.
- CECL production since
- 2020
- Institutions supported
- 100+
- Methodologies
- 5 regulator-accepted
- Now serving
- India
From CECL to RBI ECL.
The U.S. CECL transition produced a generation of lessons — segmentation pitfalls, audit expectations, scenario weighting, governance debates and execution timelines. ECL Express brings those lessons, codified into a platform, to India.
- 2016FASB issues CECL (ASU 2016-13)
Lifetime expected credit loss replaces the incurred-loss model in U.S. GAAP.
- 2018-2019ECL Express platform development
Built ground-up for CECL with five regulator-accepted methodologies.
- 2020First production CECL go-lives
Large filer adoption begins; ECL Express deployed at U.S. community banks and credit unions.
- 2023Scaled across the United States
Over 100 financial institutions supported across quarterly close cycles.
- 2024-2025Regulatory evolution
Continued enhancements to scenario management, SICR equivalents and audit lineage.
- 2026India expansion
ECL Express India launched to support the RBI Expected Credit Loss framework.
- 1 Apr 2027RBI ECL effective date
Indian regulated entities report under the RBI ECL framework.
U.S. heritage. Indian operations.
ECL Express India is delivered by GreenPoint Financial, with global subject-matter experts in New York, implementation engineering across Mumbai and Bengaluru, and a single team accountable to your CRO and CFO.
- New York
- Mumbai
- Bengaluru
Talk to our team.
A short conversation with our implementation leads will save months of internal scoping.