UNIVERSO DQF
Historical Data Monitoring Capabilities
Analysis reports provide past trends insights, performance metrics, which enables proactive detection.
Better insights into data trends and analysis, and continuous improvement in historical data.
- Better insight to data trend and analysis
- Dynamic business rule
- Data quality check within and across the system
Data quality solution (Universo DQF) offers a centralized platform for viewing historical and analytical reports, and data monitoring capabilities.
REPORTING & ANALYSIS
Assess current data against historical trends
Risk Management
Make accurate decisions regarding creditworthiness, lending practices & risk management practices.
Data Quality
Uphold the highest standards of regulatory compliance requirements.
WHY UNIVERSO DQF?
Aligned Lending and Risk Strategies
Make informed decisions regarding risk management strategies, loan approvals, refinancing, or restructuring by providing a comprehensive understanding of the borrower’s financial commitments.
It also ensures that lending decisions align with the bank’s risk tolerance, lending policies, and regulatory requirements.
Loan Outstanding Report
Offers a snapshot of a borrower’s current loan balances and payment statuses, aiding in credit assessment.
Loan Application Report
Summarizes a borrower’s loan requests, helping bank officers assess creditworthiness and make informed lending decisions.
Islamic Financing Concept
Aiding bank officers in understanding and implementing Sharia-compliant financing practices.
Impaired Loans Report
Identifies loans at risk of default or non-payment, assisting bank officers in assessing potential credit losses and implementing risk mitigation strategies.
WHAT WE DO
Diverse Risk Assessments Capabilities
Be able to assess the borrower’s existing loan portfolio, creditworthiness, financial stability, and ability to manage debt responsibly, helping to determine the level of risk associated with potential loan approvals.