Gerenciamento de risco de crédito

Our Approach to Strategic Credit Risk Management

BCG’s credit risk consultants and data scientists draw upon our proprietary digitization tools and case experience, culled from more than 250 completed projects in the past five years, to improve and transform clients’ overall credit risk operating models. Our work includes credit risk strategy and regulations, risk governance and policies, credit risk models and processes, and data and IT systems.

Our credit risk consultants work hand-in-hand with clients across the full spectrum of the credit risk management operating model, including:

• Credit Risk Strategy and Regulations. We help clients understand upcoming regulatory requirements, including environmental, social, and governance (ESG) and Riscos climáticos. Definimos uma estrutura de gerenciamento de riscos de crédito em toda a empresa que integra estratégia de risco e apetite por risco. 
• Risco de governança e políticas.  We help clients set up effective credit risk governance and policies, including our three lines of defense framework. 
• Modelos de risco de crédito e validação de modelos.   We help clients optimize and upgrade their credit risk model landscape, taking into account capital requirements, model performance, model maintenance costs, and emerging trends.  
• otimizando os processos de risco de crédito. Também permitimos que o cliente alinhe seus portfólios de risco e risco de crédito às metas climáticas.  We review the credit risk processes (such as, loan origination and monitoring) from end-to-end to improve cost efficiency, risk-return profile, and customer experience. We also enable client to align their business and credit risk portfolios to climate targets. 
• portfólios de crédito de teste de estresse e provisionamento de riscos. Ajudamos a otimizar o provisionamento de riscos, especialmente no que diz respeito ao IFRS 9. Our thorough scenario-based review is designed to assess balance sheet and credit portfolio resilience under macro-economic and climate scenarios. We help optimize risk provisioning, especially with regard to IFRS 9. 
• Dados e sistemas de TI.  We help clients redefine credit data models and IT infrastructure to support an end-to-end credit journey and enable advanced credit analytics. 

BCG’s Strategic Credit Risk Management Tool Portfolio

• Advanced Analytics for Credit Process Digitization. Our set of advanced analytics tools apply big data to enhance processes and credit risk management. The toolkit includes credit decisioning, automated risk monitoring, automated collections, early warning indicators, and fraud detection. 
• Gerenciamento regulatório do ciclo de vida.  A set of relevant credit risk regulations, with guidance for how they should be read, interpreted, and implemented. 
• Repositório de Política Digital.  A database of easy-to-implement digital policy and procedures documents that facilitate audit trail history, approval status, and links between policies. 
• Avaliação de risco da cadeia de suprimentos.  This tool identifies risk prone areas and weak links in supply chain and suggests mitigation strategies accordingly. 
• altere e ativar o kit de ferramentas. A menu of proven communication and change formats, including employee surveys, a leadership toolkit, communication apps, and  change management Suporte. 
• Ferramentas de benchmarking proprietárias.  Expanda, uma empresa de pesquisa da BCG, trabalha com 26 dos 30 principais participantes do setor de serviços financeiros do mundo para fornecer serviços exclusivos de suporte de decisão, como comparações de referência e diagnóstico do setor.  
• Torre de controle de fintech por bcg. A plataforma Global FinTech da BCG baseia-se em ferramentas de dados proprietárias, na mais recente inteligência de mercado e nos profundos conhecimentos internos para ajudar os clientes a descobrir oportunidades e executar suas agendas de fintech.