MRCS3 is made up of employees with strong experience and know-how in the following areas
Credit cycle
MRCS3 offers specialized services covering the entire credit cycle
Origination Process
- Analysis of the rules and credit controls in use to evaluate its effectiveness and importance in evaluating the loan request
- Analysis of the correlation of risk appetite with the rules and controls in place
- Creation of an efficient process
- Simulation of the impacts of the rules and controls on the portfolio
- Implementation of an improvement plan with continuous support in the adjustment of credit procedures, their formalization, training and the introduction of control mechanisms
- Continuous monitoring of the new business acquired and the portfolio through the new mechanisms introduced
Portfolio monitoring
- Analysis and profiling of the managed portfolio
- Definition of the most effective information enrichment strategies
- Efficiency improvements
- Risk Assessment of the emerging portfolio
Credit recovery
- Analysis of managed portfolio in terms of recovery performance
- Identification of information and implementation of segmentation strategies and scoring models with a view to developing more and more effective methodologies
- Professional consultancy in the application of the new developed methodologies
- Support in fine tuning operations
Fraud prevention
MRCS3 offers specialized advice for effective fraud prevention processes
Assessment of the ongoing process
- Analysis of operational procedures, first and second level rules and controls to check the effectiveness of the existing system
- Testing work-support solutions
- Sizing fraudulent transactions compared to managed contracts and case typing (customer fraud, dealer fraud, fake documentation, identity theft, ...)
- Verify the time of interception of fraudulent events
- Cost-benefit analysis of the introduction of the fraud prevention process
Definition of the fraud prevention process
- Defining of the process to be implemented regarding the organizational scenario and the tools to be used
- Description of the reporting process and management of irregularities (activities, actors and roles)
- Provision of training to the resources involved in the loan analysis
- Definition of decision-making strategies and dealer segmentation procedures in order to intercept and weigh the fraud event
Introducing of supported solutions
- Definition of predictive models for intercepting abnormal situations
- Design of decision-making strategies within Smart Strategy System that leverage predictive models and credit controls efficiently and cost effectively
- Constantly updated reporting on events provided through the Business Intelligence system Power BI
Delivery predictive models, monitoring services and dashboards for BI analysis
MRCS3 offers predictive models, monitoring services and BI analysis all delivered as a service
- Analysis of the portfolio managed by the Client
- Portfolio segmentation and identification of grids needed for optimal management
- Development of model(s) needed
- Analysis of cost savings and benefits analysis
- Realization of monitoring and retrain logic of the model(s)
- Publication of model(s) as a service
- Designing of Business Intelligence reports for performance monitoring
- BI dashboards available through website and mobile apps
Cloud migration service
MRCS3 offers technical advice to assist the customer in evaluating Cloud opportunities
The Cloud is a very important trend that has taken off in recent years.
What are economics and performance benefits of infrastructure migration to the Cloud?
Why businesses in all sectors have to adopt the Cloud?
What is the difference between public, private and hybrid Cloud?
What does the Cloud really do?
MRCS3 offers its expertise to answer these questions and design solutions to meet the needs of SME’s and large corporations
Cloud opportunity valuation
-
Convenience:
- Reduction of management costs
- Reduce time-to-market and deployment times
-
Technique:
- Defining a Cloud Strategy (Public, Private or Hybrid)
- Infrastructure / Application assessment
- Analysis od Cloud model in Customer Context (Infrastructure, Mobility, Applications)
-
Economic:
- Pay what you consume
- Cost estimate
- As-is → To-be Comparison Report for Benefits
Migration planning
- Deeper understanding of existing needs or infrastructures for identifying areas of intervention
- Breakdown of existing components, if present, on "Cloud ready", on medium term migration, and on long-term migration
- Creation of a service-oriented infrastructure or application architecture that can be implemented step by step
- Realizing a cloud adoption roadmap to grant business continuity