We help our Clients to understand and predict the risk for better financial decisions making and portfolio management.
• Risk analytics includes systematic methods for estimating, assessing and projecting risk associated with investments and business practices. Aaum has developed mathematical models derived from extensive empirical testing and coupled with stochastic outcomes. In areas like financial risk, Aaum utilizes models that express logical relationships that enable simulation of scenarios and subsequent outcomes, including testing and consolidation of risk exposure.
Credit risk management and underwriting
• Organizations need to assess a borrower's potential and his ability to pay before approving a loan. Predictive analytics helps underwriting of these loans by predicting the probability of default due to illness, bankruptcy, etc. and effectively streamlines the process of underwriting.
• Credit scoring is concerned with attaching a credit worthiness score to a borrower by performing statistical procedures. With a careful analysis of statistics and picking out characteristics that relate to creditworthiness aaum's analytic engines enables organizations to arrive at highly accurate credit scores.
•aaum's predictive analytics helps optimize allocation of collection resource usage by identifying the most effective collection agencies, contact strategies, legal actions and other strategies for each customer -- thus significantly increasing recovery time at the same time reducing collection costs.
• Portfolio management is all about strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, domestic vs. international, growth vs. safety, and many other trade-offs encountered in the attempt to maximize return at a given appetite for risk. Aaum makes use of a variety of sophisticated and proprietary tools and frameworks to help the clients make the best decisions regarding their portfolio.
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