Early Warning System · NeoStats Analytics Solutions

Enterprise

Built for banks.
Designed for reality.

Credit teams see stress earlier, understand why an account is moving, and act while there is still time to protect exposure.

Control plane

Bank-owned. Audit-ready.

RBAC
Role-bound
IFRS 9
Aligned
APIs
Controlled
Trail
End-to-end
01

Explainable by design

  • Versioned KRIs, thresholds and RAG mappings
  • Model versions and drift review
  • Reason codes at the point of decision
  • Bank-owned configurations and playbooks
02

Governed by default

  • Role-based access by responsibility
  • Escalation rules and approvals
  • Audit-ready signals, actions and overrides
  • Closure evidence retained end to end
03

Enterprise-ready

  • Secure deployment patterns
  • Core banking integration
  • IFRS 9 alignment
  • Configurable workflows

Hardened for regulated credit-risk operations

Secure deploymentRBACCore bankingIFRS 9Model monitoringAudit trails

Why Credora

An EWS accelerator.
Not another dashboard.

Patterns, explainability and workflow — designed as one operating system for early warning, not three disconnected tools.

Accelerator-led

Reusable early-warning patterns, KRI libraries, scoring pipelines and workflow templates.

Explainable

Drivers and evidence appear where decisions are made — not buried in a separate report.

Workflow Embedded

Alerts become cases, tasks, owners, approvals and closure trails.

Deployment

Deploy where your risk data already lives

Same early-warning capability — fitted to your security perimeter, integration patterns and hosting requirements.

Cloud

Managed deployment with controlled integration to core banking and bureau feeds.

ManagedAPI-firstElastic

Private Cloud / Hybrid

Your security perimeter — with APIs, queues, views and event-driven patterns.

PerimeterQueuesEvents

On-Premises

Full control for regulated environments that require bank-owned hosting.

Air-gapped readyBank-ownedFull control

Built for bank credit-risk teams

Standard CharteredFABMashreqHousing BankLetshegoUno Digital BankCredibleX

Platform

Fewer alerts.
Sharper signals.
Earlier action.

Detect deterioration earlier, understand why risk is emerging, prioritise the exposures that matter and convert every material warning into accountable action.

Detect Earlier

Detect Earlier

Combine repayment behaviour, account movement, utilisation, collateral, documentation, bureau and qualitative signals into continuous deterioration intelligence.

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Detect Earlier
Signals
48
New today
7
  • NeoCredora
    A few signals shifted on this account.
  • Analyst
    What moved first?

Operating path

From fragmented signals
to governed action

NeoCredora connects ingest, detection, explainability, prioritisation and closed-loop workflows into one operating path.

01
Ingest
Core systems, bureau and transactions
02
Unify
Risk-ready features and customer context
03
Detect
KRI and ML-driven early signals
Cap 01

Multi-horizon Prediction

P30, P60 and P90 horizons distinguish immediate, emerging and slow-burn stress.

Cap 02

Driver-level Explainability

Reason codes, evidence packs and SHAP-style insights explain why signals fire.

Cap 03

Risk + Exposure Prioritisation

Combine probability, exposure-at-risk, RAG status and business rules to rank queues.

Cap 04

AI-Assisted Analysis

Ask governed questions about alerts, cohorts, drivers, trends and portfolio movement.

Continuous intelligence

See deterioration before it becomes delinquency

Credit stress develops through delayed payments, declining turnover, rising utilisation, covenant breaches, documentation gaps and bureau deterioration. NeoCredora unifies these into continuous deterioration intelligence.

48h
earlier detection
3×
signal clarity
1
governed path
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Portfolio system

One view of portfolio risk.
Move from “who is risky?” to “why now?”

Portfolio view

Live

Monitor exposure, RAG movement, watchlist volume, delinquency evolution and concentration risk from a unified view.

Exp.
$18.4M
Watch
127
High
24
ExposureRAG movementWatchlistConcentration

Customer cases

Case pack

Connect the primary signal, supporting indicators, exposure context, risk score and recommended next action.

  • Primary signalUtilisation lift
  • Evidence11 documents
  • Risk score87
  • Next actionOutreach

Operating model

Governed

Every signal has an owner — from warning through decision, intervention and closure.

SignalExplainPrioritiseAct
flow
Signal → Action
roles
5
path
Governed
NeoCredora · Early Warning System

From Signal to Action

A bank-owned, explainable early-warning capability that turns credit-risk signals into timely, governed and measurable intervention.

Explore NeoCredoraSee How It Works
ExplainableGovernedBank-owned