Platform Process Flow
End-to-end view of how CBRB data and internal bank data flow through the Credit Intelligence & Early Warning Platform.
Data Sources
Processing
AI / Intelligence
Alerts & Risk
Outputs
Users
1. Data Ingestion
Sources flowing into the platform
CBRB Data Feed
Borrower exposures, ratings, classifications, banking relationships across the system
Internal Bank Data
Core banking, loan book, collateral, repayment behaviour, utilization
Financials & Documents
Statements, covenants, KYC, sector reports
ingest
ingest
2. Processing & Normalization
Clean, match, enrich
Data Quality & Matching
Entity resolution across CBRB and core banking
Rating Migration Engine
Detect upgrades, downgrades, classification shifts
Exposure & Utilization Calc
Aggregate, trend, peer benchmarks
feeds
feeds
3. AI Risk Intelligence
Scoring & explainability
AI Risk Scoring Engine
Dynamic borrower score from CBRB + internal signals with explainable drivers
Early Warning Signals
Stress patterns, exposure migration, multi-bank deterioration
GenAI Credit Copilot
Natural-language Q&A grounded in CBRB + bank data
produces
4. Alerts, Workflow & Surveillance
Operationalising risk
Early Warning Center
Prioritized, assigned, tracked risk events with SLAs
Notifications & Escalations
Role-based routing to RM, Credit, CRO
Case Management
Action plans, watchlist, committee decisions
delivers
delivers
5. Outputs & Decisioning
What the business consumes
Executive Dashboards
Portfolio health, concentration, migration heatmaps
Regulatory & Internal Reports
CBRB reconciliation, board packs, audit trail
Borrower 360 View
Unified profile across CBRB and bank relationships
consumed by
6. End Users
Daily decision-makers across the credit value chain
Chief Risk Officer
Portfolio oversight & strategy
Head of Credit
Approvals & policy
Credit Risk Managers
Surveillance & deep-dives
Portfolio Managers
Concentration & limits
Relationship Managers
Borrower engagement
Continuous feedback loop: user actions (case outcomes, overrides, watchlist decisions) flow back into the AI Risk Scoring Engine and Early Warning models to improve precision over time.