Commercial and consumer banks

Commercial and consumer banks are under growing pressure to sustain growth while grappling with rising credit costs, evolving borrower risks and increasing pressure to deliver faster and consistent lending decisions across high-volume portfolios.

Crisil Integral IQ helps secure these objectives by leveraging its deep credit expertise, scalable delivery and artificial intelligence-enabled solutions across commercial, small-business, commercial real estate and consumer lending. These integrated solutions help banks strengthen underwriting, improve portfolio monitoring, streamline lending operations and drive greater efficiency across the credit lifecycle.

20+

Extensive experience in managing transformation, risk, and loan operations for 20+ commercial banks

5K

Over 5,000 periodic credit memos executed annually for commercial lending portfolio

25K+

Executed 25,000+ model engagements across credit, market, operational and liquidity risk domains since 2015

Our solution components

End-to-end credit support across commercial and industrial, middle-market and business banking portfolios, from underwriting through credit management

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Deep credit expertise across income-producing commercial real estate, construction and development lending, spanning diverse property types and borrower profiles

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Specialised support for collateral-driven lending, including borrowing-base analysis, equipment finance and ongoing collateral monitoring

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Scalable credit capabilities across working capital, term loans and other financing solutions for small and growing businesses

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Credit and portfolio analytics across mortgages, cards portfolios, supporting underwriting, monitoring and risk management

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Domain-led expertise across specialised portfolios, including healthcare, franchise, transportation and other sector-focused lending

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Across the credit lifecycle

Origination and underwriting

Financial analysis and modeling

Portfolio management

Risk monitoring

Credit and lending operations

Credit transformation

The problems we solve

Research

EWS for Borrower Stress

Case Studies

Create an automated system that helps a commercial bank proactively detect borrower stress before delinquency and take well-informed and timely actions for effective mitigation of credit risk.

End-to-end credit risk support for Asian G-SIB

Case Studies

The bank wanted to strengthen its credit risk management process amid rising backlogs and regulatory asks.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies