oplon
advanced analytics for risk management

Financial risk assessment and management

Rating agency’s capabilities and skills made accessible, within a predictive and modular solution to improve the risk management, developed for financial institutions, investment funds, Fintechs and traditional companies.
modefinance’s oplon is a customized platform where the most advanced data science and artificial intelligence technologies are applied to financial risk assessment. To help clients work more efficiently, we created an automated framework to assess and prevent risky situations.

Traditional approach to risk evaluation

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  • manual data collection and integration within management platforms, paper reports;
  • further steps, analysys, new inputs and parameters, new reports;
  • multiple decision-making phases, data exchange and analysis for the resolution;
  • decentralized and inefficent decision making processes generate high costs in terms of resources and time.

Innovative approach to risk evaluation

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  • single data input, unique platform, procedures and decision process customization: the practice is managed entirely from the pre-feasibility to the approval;
  • workflow cut and simplification, decision making process' time and costs reduction.
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Features

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Digitalization

  • Real-time companies and financial institutions’ assessment and immediate understanding of major risk factors
  • Predictive analysis models, automatic portfolio monitoring
  • Risk assessment process’ automation, fluency and reliability, built on customized internal rules and modules
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Customizations

  • Custom models development, based on internal policies and procedures, to obtain the most accurate risk assessment, prevention and management
  • Expected loss and loss given default forecast, capital allocation, custom probability of default, Rating and sectoral comparisons
  • Portfolio risk evaluation and simulation, cash flow analysis, stress testing, debt capacity and sensitivity analysis
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Integration

  • Internal data enhancement through the integration of quantitative and qualitative data with modefinance’s proprietary models
  • Perfect adaptability and integration with any management software or business application already in use
  • s-peek integration possibility, for the best workflow management and the scenario analysis predictability
  • Node Integration with the most used international data providers
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Usability

  • Mobile and desktop usability, on any device, at your desk or outside the office
  • Clear and intuitive interface, with fast response times
  • Digital availability of all the information via API and PDF or Excel download options

60% decision-making processes time reduction


23% evaluation procedures costs reduction


99% manual data operations cut

Capabilities

  • RATING
  • FINANCIAL RATIOS
  • QUALITATIVE ANALYSIS
  • SENSITIVITY ANALYSIS
  • DEBT CAPACITY
  • CASH FLOW
  • PORTFOLIO ANALYTICS
  • PROBABILITY OF DEFAULT (PD)
  • EXPECTED LOSS (EL)
  • LOSS GIVEN DEFAULT (LGD)
  • CAPITAL ALLOCATION
  • VALUE AT RISK (VAR)