How SAS® Supports Credit Risk Management
Sophisticated analytic insights for better understanding and proactively managing credit risk.
Understanding and proactively managing credit risk requires increasingly sophisticated analytic insights. Whether you need to optimize credit decisions or address new accounting requirements for expected credit loss (ECL), SAS enables you to develop and execute models that quantify and predict potential risks, with on-demand reporting and real-time decisioning you can trust.
Automation of complex risk management processes
- Increase efficiency and transparency while reducing model risk.
- Only SAS provides well-defined, automated governance and workflow solutions.
Powerful & scalable analytics capabilities
- SAS gives you the unique ability to quickly develop and implement your own models with the power to analyze large credit portfolios down to individual loan assessments.
- With SAS, you get a modernized analytics foundation that scales flexibly to address both current and future requirements.
Customizable, adaptable data & reporting
- Whether you're a specialized lender or diverse multinational financial institution, our flexible framework gives you the ability to integrate and stage high-quality data.
- Get the transparency needed for a full range of on-demand reporting to address current and future requirements.
- Our flexible data design accommodates models developed using SAS, industry-standard or open source software.
Powerful modeling environment
- Our credit risk solutions let you develop models using SAS code, Python and R, as well as incorporate AI and machine learning models.
- Only SAS enables you to build and own the IP of the models you develop, enabling you to address your unique business requirements.
Proven financial services solutions
- Year after year, SAS Analytics has been ranked high in the leaders quadrant by a range of analysts, from Chartis to Celent/Oliver Wyman.
- We retain our global leadership position thanks to close collaboration with our customers and our industry-leading investments in R&D.
Why choose SAS for credit risk management?
SAS provides a comprehensive, integrated environment for efficiently and effectively managing your organization's credit risk management and regulatory requirement needs.
Deploy models faster
Avoid recoding and slash the time it takes to build and deploy credit risk models with an integrated solution that acquires data from existing systems to build, back-test and deploy models.
Manage corporate IP
Reduce learning cycles and realize faster benefits by retaining valuable institutional knowledge. Our intuitive user interface enables easy sharing of project artifacts, segmentation logic, variables and related intellectual property.
Make better-informed lending decisions
Accurately assess risk exposures and inform credit and pricing decisions using a broad range of scoring methodologies. Get a comprehensive view of risk and model performance, and conduct champion/challenger tests against new models to ensure optimal performance aligned with your business objectives.
Recommended Solutions for Credit Risk Management
Featured Solutions
- SAS® Solution for Regulatory CapitalProactively manage regulatory risk with a single, end-to-end risk management environment.
- SAS® Risk ModelingQuickly develop, validate, deploy and track risk models in house – while minimizing model risk and improving model governance.
- SAS Credit & Risk ScoringDevelop, validate and monitor credit scorecards faster, cheaper and more flexibly than any outsourcing alternative. SAS BE
- SAS® Risk EngineMake better, faster decisions based on current views of your overall risk exposure.
- SAS® Model Implementation Platform Quickly and efficiently execute a wide range of models used in bank stress tests and other enterprise-level risk assessments.
- SAS® Regulatory Content for EBA TaxonomiesMeet European Banking Authority (EBA) reporting requirements and gain business value with a collection of industry-leading reporting content.
Solutions That Extend Credit Risk Management Capabilities
Explore More on Credit Risk Management & Beyond
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White Paper
Building Artificial Intelligence in Credit Risk: A Commercial Lending PerspectiveWhat will it take for banks to trust artificial intelligence (AI) and machine learning (ML) with judgments about data accuracy and leverage it for commercial lending process automation?
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Analyst Report
SAS: RiskTech Quadrant Technology Solutions for Credit Risk 2.0 (Banking Book)According to Chartis, SAS covers several areas that impact credit risk, and its overall strength in analytics underpins the components it offers to address credit-related issues
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White Paper
Basel IV: The push you neededIn a landscape of great uncertainty and the economic crisis sparked by COVID-19, financial institutions must address the challenges Basel IV will bring. An integrated risk management approach is the best path forward to meeting ever-evolving regulatory needs.
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Insights Page Risk Management Insights