Credit losses and loan loss provisions are continuously rising in multiple economics post the financial crisis. Regulators and other stakeholders such as investors and rating agencies are increasingly focusing on credit underwriting standards and credit monitoring processes of the lending institutions.

Typically banks’ credit strategies are still attuned to take on a reactive approach. To migrate to the next sophistication level, banks need to consciously adopt an Active Credit Risk Management philosophy - such as, Early Warning Framework.

At Aptivaa, we possess and provide highly-experienced subject matter experts who advise banks on developing and managing the Early WarningFramework. Our Early Warning Framework comprises of the following components:


Aptivaa’s Early Warning Framework is an intelligent and efficient framework for improved asset quality, lower provisioning and higher risk adjusted returns.