Allowance and capital, grounded in the same engine.
CECL, IFRS 9, Basel, and stress testing — all driven by one calibrated, auditable framework instead of a patchwork of vendors.
CECL and IFRS 9 (Wholesale)
One engine, two standardsCECL and IFRS 9 wholesale allowances run on disconnected vendor models that are hard to reconcile and harder to defend.
AIR produces lifetime expected loss for every wholesale exposure, calibrated to your portfolio and traceable to evidence.
Basel PD, LGD, EAD
IRB-ready risk parametersBasel PD, LGD, and EAD models live in legacy systems with limited transparency and slow recalibration cycles.
AIR delivers IRB-ready risk parameters with full model documentation, validation results, and ongoing performance monitoring.
CCAR and DFAST Wholesale Stress
Wholesale stress in days, not monthsCCAR and DFAST wholesale stress runs are quarterly fire drills involving dozens of analysts and weeks of reconciliation.
AIR runs supervisory and idiosyncratic scenarios across the wholesale book on demand, with regulator-ready output.
Economic Capital
EC aligned to risk parametersEconomic capital frameworks drift from the underlying risk parameters used in pricing and surveillance.
AIR aligns economic capital to the same calibrated PD, LGD, and correlation inputs used across the platform.
Stay on par. Or stay ahead.
A continuously updated view of credit risk on every issuer that matters to your book.
- 11mo median lead time
- Private and Public issuers covered
- SOC 2 Type II
- 11mo median lead time
- Private and Public issuers covered
- SOC 2 Type II