Live portfolio intelligence and early-warning signals, built on the same data your lending runs on. No manual CSV exports, no reconciliation disputes, and no stale month-end packs.
By the time a traditional month-end risk pack lands, the risk has already moved. Replace weeks-late static reports with continuously updating dashboards that track exposure, delinquency (SMA-0/1/2), and NPA movements in real time across products, regions, branches, and cohorts.
Stop wasting leadership bandwidth when Risk, Credit, and Finance pull numbers from different systems and argue over whose spreadsheet is right. Run every portfolio view, expected credit loss (ECL) calculation, and board pack directly on live origination, servicing, and collection data.
Warning signs hide inside healthy-looking portfolio averages. Automatically isolate stressed micro-segments, underperforming DSAs, slipping branches, or deteriorating co-lending partners—and drill down from macro portfolio trends to an individual loan file in three clicks.
Loan origination, repayment, collections, co-lending, and bureau refresh data flow in continuously from Rewafin and your external systems.
Live dashboards update automatically across every dimension—product, geography, branch, sourcing channel, partner, and disbursement vintage.
Rule-based triggers and machine-learning EWS models flag accounts, branches, and segments exhibiting early repayment stress or concentration breaches.
Drill seamlessly from top-level portfolio KPIs down to a specific cohort, credit rule, underwriter queue, or individual borrower record in a few clicks.
Tighten BRE approval rules in LOS, adjust exposure limits, or push stressed accounts directly into Collections queues—and measure the impact in real time.
Live Portfolio & Concentration Dashboards
Track live AUM, PAR (Portfolio at Risk), SMA buckets, and GNPA/NNPA ratios alongside real-time concentration guardrails across geography, sector, product, partner, and borrower groups.
Vintage, Cohort & Roll-Rate Analytics
Analyze Month-on-Book (MOB) vintage curves, static pool losses, and bucket-to-bucket roll rates to identify exactly when and where accounts begin slipping into delinquency.
Early Warning System (EWS) & Action Triggers
Combine internal repayment velocity, mandate bounces, cash-flow drops, and periodic bureau scrubs to trigger automated risk alerts and preemptive intervention workflows.
Underwriting Loop & Credit Policy Analytics
Evaluate the real-world performance of every underwriting scorecard, bureau cut-off, credit officer authority, and policy deviation to continuously sharpen your LOS rule engine.
Stress Testing, Provisioning & Board Reporting
Run sensitivity simulations on your loan book, calculate RBI IRACP and Ind-AS 109 Expected Credit Loss (ECL) provisions, and distribute scheduled risk packs to leadership and the board.
From high-velocity unsecured retail books to long-tenure housing and rural microfinance portfolios, Rewafin adapts risk metrics and early warnings to your regulatory and asset reality.
Scale-based Regulation (SBR) risk tracking, First Payment Default (FPD) by DSA/fintech partner, Ind-AS 109 ECL Stage 1/2/3 provisioning, and unsecured cash-flow stress alerts.
Center and branch PAR (1+, 30+, 90+) heatmaps, geographic & district concentration limits, household indebtedness / FOIR compliance tracking, and field officer portfolio quality monitoring.
Long-tenure MOB vintage tracking, Loan-to-Value (LTV) & property valuation drift monitoring, construction-stage builder exposure limits, and interest-rate reset sensitivity analysis.
Automated RBI Early Warning Signals (EWS) & Red Flagged Account (RFA) monitoring, SMA-0 / SMA-1 / SMA-2 movement tracking, RAROC analysis, and sector/priority-sector exposure guardrails.
Member and surety cross-guarantee exposure tracking, branch-level NPA & statutory liquidity monitoring, and simplified board & registrar risk reporting.
High-velocity digital onboarding with instant bureau/bank parsing and straight-through disbursal.
Underwrite MSME term loans and working capital using cash-flow, GST, and AI appraisal.
Branch and doorstep gold lending with digital purity appraisal, live LTV, and vault tracking.
Dealer-led vehicle financing with instant showroom approvals, payout, and RC/insurance tracking.
Coordinate borrower cash-flow appraisal, parallel legal-technical valuation, and title custody.
Assess students and co-borrowers with semester-linked college payouts and moratorium tracking.
Instant point-of-sale checkout approvals with brand subvention, no-cost EMI, and dealer settlement.
Offline-first JLG/SHG field onboarding, RBI household income checks, and center collections.
Crop-cycle and KCC lending with land-record verification and harvest-aligned repayment schedules.
Synchronize buyer underwriting, builder/project approvals, and construction-linked tranche disbursals.
Built natively on the Rewafin data core, with open APIs and connectors to ingest data from external LOS, LMS, Core Banking, bureaus, and enterprise data warehouses.
Native Rewafin Suite Continuity
External Bureaus, Data Warehouses & BI Stack
Multi-channel onboarding, automated KYC, and AI-assisted credit decisioning.
Automate repayment schedules, NACH/UPI collections, restructuring, and ledger posting.
Run HR, payroll, corporate accounting, and GST/TDS compliance on your lending core.
Recover faster with AI-prioritized queues, omnichannel nudges, and geo-tagged field apps.
Automate partner loan allocation, split disbursements, and daily escrow reconciliation.
Enforce RBI policy rules in every workflow with immutable audit trails and live returns.
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamYes. It connects seamlessly to your existing third-party LOS, LMS, Core Banking System, and data warehouse through REST APIs and scheduled automated imports.
Dashboards and early-warning alerts refresh in near real time for loans running on the Rewafin stack, and immediately upon each scheduled sync for external systems.
Yes. Risk and credit teams can build custom cohort views, slice dimensions without writing code, and schedule automated report deliveries to any stakeholder group or board committee.
Access is strictly role-based (RBAC)—ensuring branch managers, regional risk heads, co-lending partners, and head-office executives only see the portfolios and borrower segments they are authorized to view.
In 30 minutes, we'll show your team a live view of portfolio risk, vintage performance, and early-warning signals built on your own data model.
