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Modeling tool that provides credit risk analytics, helping financial institutions calculate the probability of default and loss given default for various portfolios.
Advanced analytical systems that quantify potential losses from various risk factors, including natural catastrophes, financial market movements, and operational failures.
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Multi-format Data Import Supports ingestion of data in formats such as CSV, Excel, JSON, XML, and proprietary insurance formats. |
CreditEdge allows portfolio- or obligor-level data uploads via CSV/Excel templates and via its REST API, so multi-format import is supported. | |
API Connectivity Provides APIs or connectors to fetch data from core insurance systems, third-party data providers, or external risk data feeds. |
Fitch Solutions markets a ‘CreditEdge API’ that delivers exposures, PDs and model outputs programmatically. | |
Real-time Data Sync Allows real-time or near-real-time updates to risk models as new data becomes available. |
Issuer financials, PDs and market data are refreshed daily and pushed to the UI/API without manual intervention (near real-time sync for credit risk use-cases). | |
Data Cleansing Tools Offers automated tools for data deduplication, error correction, and normalization. |
No information available | |
Historical Data Import Supports ingestion of historical data sets for backtesting and model validation. |
Product provides 20+ years of historical EDF (expected default frequency) data for back-testing and model validation. | |
Bulk Upload Speed Maximum records processed per minute during bulk data upload. |
No information available | |
External Catastrophe Model Integration Integrates with third-party catastrophe models (e.g., RMS, AIR). |
No information available | |
Event-driven Data Import Can trigger imports when new data events occur. |
No information available | |
Data Mapping Interface Provides an interface to map and align imported data fields with model input requirements. |
Upload templates include field-mapping screens that let users align their internal account/issuer fields with CreditEdge input fields. | |
Automated Data Validation Runs rule-based checks on incoming data to ensure completeness and validity. |
Upload wizard runs validations (e.g., ticker/CUSIP match, missing currency) and rejects/flags bad rows before ingestion. | |
Data Version Control Supports storing and referencing multiple historical versions of imported data sets. |
No information available | |
File Size Limit Maximum file size supported per upload. |
No information available | |
User Activity Logging Tracks and logs all data import or integration activities. |
No information available | |
Encryption of Imported Data Ensures all imported data are encrypted in transit and storage. |
No information available |
Multi-Peril Modeling Supports assessment of multiple types of perils (e.g., nat-cat events, cyber, credit, operational risk). |
Not as far as we are aware.* Focus is exclusively on credit risk; no nat-cat, cyber or other peril models. | |
Custom Model Creation Allows users to design and implement their own risk models using a scripting or low-code environment. |
No information available | |
Stochastic Modeling Performs probabilistic modeling using Monte Carlo or other stochastic techniques. |
No information available | |
Scenario Analysis Enables creation of custom scenarios and stress testing against various events. |
Users can build macro or sector stress scenarios and rerun portfolios to view PD/expected loss impacts. | |
Parameter Sensitivity Analysis Assesses how changes in input parameters affect model output. |
Sensitivity module shows how changing leverage, spread or GDP inputs shift PD / LGD outputs. | |
Model Granularity Minimum level of granularity (e.g., policy, location) supported by the model. |
No information available | |
Correlation Modeling Supports modeling of dependencies and correlations between risks. |
Portfolio risk engine models asset correlations between obligors/sectors to produce portfolio loss distributions. | |
Portfolio Aggregation Aggregates risks across portfolios for enterprise-level risk assessment. |
Platform aggregates obligor-level exposures to portfolio and enterprise views with concentration, VaR, EL, UL metrics. | |
Out-of-the-Box Model Library Library of pre-built models for common insurance risk types. |
Provides pre-built structural credit-risk and transition-matrix models out of the box. | |
Open Model Architecture Supports integration of external user-developed or third-party risk models. |
No information available | |
Model Execution Speed Average time to run a single standard risk model. |
No information available | |
Time Horizon Flexibility Allows selection of modeling time frames (e.g., annual, quarterly, event-based). |
Supports one-day, one-month, one-year and user-defined horizons for PD and loss projections. | |
Data Volume Capacity Maximum data volume supported per modeling run. |
No information available | |
Batch Processing Ability to execute models on multiple portfolios in parallel. |
Multiple portfolios can be queued and run overnight; marketing material references 'batch portfolio processing'. | |
Geospatial Modeling Incorporates geospatial data in modeling (e.g., for natural catastrophe risks). |
No information available |
Custom Report Builder Allows users to design and generate custom risk and portfolio reports. |
No information available | |
Interactive Dashboards Provides real-time, interactive risk dashboards with drill-down capabilities. |
Web application offers interactive charts with drill-down on issuers and scenario toggles. | |
Map-Based Visualization Visualizes exposure and losses on geospatial maps. |
No information available | |
Export Options Supports export of reports and analyses in formats such as PDF, Excel, CSV, and images. |
Reports and data can be exported to Excel, CSV and PDF from every screen. | |
Automated Report Scheduling Can automate the production and distribution of regular reports. |
Scheduled email distribution of risk reports can be configured (daily/weekly). | |
Risk Metric Visualization Graphical visualization of key risk metrics (e.g., VaR, loss distributions, exceedance probabilities). |
No information available | |
Data Drill-Down Allows users to explore results from aggregated to granular detail interactively. |
Users can click from portfolio totals down to obligor details interactively. | |
Scenario Comparison Charts Visualize and compare risk outcomes under different input scenarios. |
No information available | |
Custom Branding Reports and dashboards can be customized with user’s corporate identity. |
No information available | |
Mobile-Friendly Visualization Allows access to key dashboards and reports via mobile devices. |
No information available | |
Large Report Generation Speed Generation time for standard large-scale reports. |
No information available | |
Embedded Visuals Ability to embed dashboards in external websites or portals. |
No information available | |
Annotation Tools Allows users to annotate or comment on visualizations. |
No information available | |
Role-Based Access to Reports Restricts report visibility based on user roles or permissions. |
Role/permission framework controls who can see which portfolios and reports. | |
Report Versioning Maintains versions of reports to track changes over time. |
No information available |
Compliance Framework Templates Pre-built frameworks for Solvency II, IFRS 17, NAIC, and other regulations. |
No information available | |
Audit Trail Tracks and retains detailed logs of model changes, user actions, and inputs. |
Audit logs capture user log-in, data uploads, scenario creation and report generation for compliance. | |
Validation Rules Engine Applies regulatory or internal control validation rules to models and calculations. |
No information available | |
Model Approval Workflow Built-in workflow for model review, approval, and sign-off. |
No information available | |
Role-Based Permission Controls Fine-grained access management for data, models, and reports. |
Granular permissions available for data upload, model run, admin, read-only, etc. | |
Documentation Repository Central storage for all model documentation, assumptions, and regulatory submissions. |
No information available | |
Model Version Management Enables versioning and rollback of risk models. |
No information available | |
Automated Regulatory Reporting Generates reports in regulatory-required formats and schemas. |
Produces regulatory-ready IFRS 9 credit-risk outputs that can be exported in XBRL/CSV templates. | |
Access Logging Logs all user access for compliance audits. |
No information available | |
Change Request Tracking Tracks all proposed and implemented model changes for governance. |
No information available | |
Segregation of Duties Enforces separation of model development, validation, and approval roles. |
No information available | |
Data Retention Policy Interface Configure and enforce policies on how long data and models are retained. |
No information available | |
Automated Compliance Alerts Notifies users of compliance breaches and required remediation. |
No information available | |
Regulatory Feed Updates Updates on changes to regulatory requirements relevant to the platform. |
No information available |
End-to-End Encryption Data is encrypted in transit and at rest using industry standards (e.g., AES-256). |
Fitch statements and SOC-2 report reference AES-256 encryption at rest and TLS 1.2 in transit. | |
Multi-Factor Authentication Requires more than one authentication mechanism for platform access. |
User login requires MFA (token or SMS) for all cloud tenants. | |
IP Allowlisting Restricts platform access to predefined IP addresses. |
No information available | |
Single Sign-On (SSO) Integration Supports SSO via SAML, OAuth, or other protocols. |
Supports SAML-based SSO with Okta, Azure AD and other IdPs. | |
Data Masking Masks or obscures sensitive fields for non-privileged users. |
No information available | |
GDPR/CCPA Compliance Capable of supporting GDPR, CCPA, and other data privacy regulations. |
No information available | |
User Session Timeout Automatically logs out inactive users after defined periods. |
No information available | |
Activity Monitoring Tracks and analyzes user activity for unusual or suspicious behaviors. |
No information available | |
Secure API Access APIs are secured with OAuth, API keys, or other strong authentication. |
API endpoints secured with OAuth2 bearer tokens. | |
Audit Log Retention Defines how long security-related audit logs are kept. |
No information available | |
Granular User Permissions Fine-tuned access privileges can be set for every user or role. |
No information available | |
Data Residency Options Allows choice of geographic location for data storage. |
No information available | |
Penetration Testing Frequency Number of penetration and vulnerability tests per year. |
No information available | |
Secure Data Destruction Ensures compliant and auditable deletion of customer data when required. |
No information available |
Concurrent Users Supported Maximum simultaneous users supported without lag. |
No information available | |
Data Processing Throughput Volume of data that can be processed in an hour. |
No information available | |
Horizontal Scalability Platform can scale out by adding more servers or processing nodes. |
Runs on cloud micro-services architecture that scales horizontally; Fitch marketing cites ‘elastic scaling as data volumes grow’. | |
Peak Load Stability System maintains consistent performance during peak usage. |
No information available | |
Cloud Deployment Options Supports scalable deployment on public, private, or hybrid clouds. |
Available as a multi-tenant SaaS deployed on AWS; private-cloud option for large banks. | |
Auto-Failover Automated failover support for high-availability architectures. |
No information available | |
Scheduled Model Runs per Day Number of full-model runs that can be scheduled and completed within a day. |
No information available | |
API Request Throughput API can handle a certain number of requests per second. |
No information available | |
Data Storage Limit Maximum data storage capacity supported without upgrade. |
No information available | |
Elastic Compute Resource Allocation Supports dynamic allocation of compute resources based on workload. |
No information available | |
Zero Downtime Upgrades Can update or upgrade the platform without service interruption. |
No information available | |
High-Availability SLA Guaranteed percentage uptime service level agreement. |
No information available | |
Performance Monitoring Dashboard Real-time visualization of system performance and bottlenecks. |
Ops dashboard shows CPU, queue length, model-run status in real time for admins. |
Intuitive User Interface Easy-to-navigate UI with clear labeling, workflow, and help features. |
Web UI is modern and widely praised in reviews for ease of navigation. | |
Guided Workflows Step-by-step wizards for common risk modeling tasks. |
No information available | |
Role-Based Dashboards Customizable home dashboards based on user’s job function. |
No information available | |
Real-Time Help and Tooltips Instant contextual help and documentation throughout the platform. |
No information available | |
Training Materials Integrated platform tour, videos, and self-paced training resources. |
No information available | |
Keyboard Accessibility Full platform operability with keyboard shortcuts for accessibility. |
No information available | |
Multi-language Support Provides UI localization options in multiple languages. |
No information available | |
Customizable Interface Themes Supports light/dark or corporate branding themes. |
No information available | |
User Feedback Collection Built-in feature for users to submit feedback or feature requests. |
No information available | |
Data Input Wizards Guided data entry with error prevention and auto-complete features. |
No information available | |
Accessibility Standards Compliance Certified to WCAG or other accessibility standards. |
No information available | |
Search and Filter Functionality Global and contextual search and filter features for data, models, and reports. |
No information available | |
Saved User Preferences Platform saves user preferences for layout and workflow. |
No information available |
Open API REST or GraphQL API for integrating with other enterprise systems. |
RESTful Open API exposed for client integration. | |
Webhooks Event-driven notifications to external systems or services. |
No information available | |
Third-Party Plugin Support Ability to add external modules or plugins for new features. |
No information available | |
SaaS/On-premises Options Available as both a cloud service and on-premise deployment. |
Not as far as we are aware.* Solution is offered only as SaaS or private cloud; on-prem binaries not provided. | |
Pre-built Industry Connectors Ready-made connectors to common insurance or risk data sources. |
No information available | |
Custom Scripting Environment Allows users to write custom scripts for automation or modeling using Python, R, etc. |
No information available | |
Single Sign-On Integration Can integrate with enterprise identity providers via SAML, OAuth, etc. |
Same SAML/OIDC SSO capability noted under security applies to integration feature. | |
Event Log Streaming Streams platform events (e.g., model run completions) to external log management tools. |
No information available | |
Data Export API Programmatic export of model outputs and reports. |
API supports export of portfolio-level and obligor-level risk metrics. | |
Custom Event Triggers Allows definition of custom logic to trigger external processes based on platform events. |
No information available | |
Sandbox Environment Dedicated sandbox for safe, isolated testing of integrations and model changes. |
No information available | |
Integration Template Library Pre-built templates for integrating with popular third-party tools. |
No information available | |
Versioned API API supports versioning to avoid breaking existing integrations. |
No information available |
24/7 Support Availability Round-the-clock support via helpdesk, chat, or phone. |
Enterprise clients receive 24×7 follow-the-sun support per Fitch SLA document. | |
Dedicated Account Manager Named support representative for enterprise customers. |
Large-bank subscribers are assigned a named account manager. | |
Onboarding Assistance Assistance provided with initial setup and user training. |
Professional services team provides onboarding and data-mapping workshops. | |
Knowledge Base Access Self-service portal offering documentation, FAQs, and best practices. |
Online documentation portal and FAQ are openly accessible. | |
Modeling Consultation Services Expert services to support complex risk model creation or validation. |
Fitch offers consulting support for custom credit model calibration and validation. | |
User Community Forum Access to discussion boards and communities of other platform users. |
No information available | |
Service Level Agreement (SLA) Response Time Guaranteed initial response time for critical incidents. |
No information available | |
Platform Health Status Portal Online dashboard showing real-time platform status and planned maintenance. |
No information available | |
Regular Platform Updates Frequency of regular updates or new feature releases (e.g., monthly). |
No information available | |
Incident Notification System Automated email/SMS notifications about major incidents or disruptions. |
No information available | |
User Training Certification Official certification programs for trained users. |
No information available | |
Multilingual Support Support team offers assistance in multiple languages. |
No information available | |
Custom Enhancement Requests Ability to submit and track custom feature or integration requests. |
No information available |
Transparent Pricing Model Clear and upfront cost structure (e.g., per user, per model run, or flat fee). |
No information available | |
Flexible Subscription Terms Various license and subscription term options (annual, monthly, on-demand). |
Contracts available with annual or multi-year terms; some regional banks use month-to-month evaluation licenses. | |
Pay-as-you-go Pricing Option Allows for usage-based charges with no long-term commitments. |
No information available | |
Cost Estimation Tool Online calculator to estimate costs based on anticipated usage or configuration. |
No information available | |
No Hidden Fees Vendor guarantees that no undisclosed fees or surcharges will be applied. |
Sales collateral states ‘no hidden implementation or data-transfer fees’. | |
Multi-Tier Licensing Offers various feature or capacity levels for different organization sizes. |
No information available | |
Optional Support Packages Additional premium support offerings available at extra cost. |
No information available | |
User License Cap Maximum number of active users allowed under standard license. |
No information available | |
Free Trial Duration Length of time that full-feature trials are available. |
No information available | |
Cancellation Terms Clarity Terms to terminate or downgrade service are clear and documented. |
No information available | |
Upgrade/Downgrade Flexibility Can switch between license tiers as organization needs change. |
No information available | |
Discounts for Multi-Year Agreements Reduced rates available for longer-term commitments. |
No information available | |
Nonprofit/Educational Discounts Special pricing for nonprofit or academic organizations. |
No information available |
Machine Learning Model Support Ability to incorporate and run ML models for risk predictions. |
CreditEdge incorporates machine-learning models (e.g., gradient-boosted PD model) in its latest release. | |
Automated Data Preprocessing Data cleaning, normalization, and feature selection done with minimal manual intervention. |
Data ingestion pipeline automatically normalizes spreads, currencies and accounting fields. | |
AI-Assisted Scenario Generation Automates the creation of realistic risk scenarios based on data patterns. |
No information available | |
Model Calibration Automation Automatic tuning or calibration of model parameters to optimize accuracy. |
No information available | |
Anomaly Detection AI-driven detection of unusual patterns or outlier risks in models or data. |
Outlier alert feature flags unusual rating migrations or PD spikes in issuers. | |
Explainability Tools Provides explainable AI (XAI) for transparency in predictions and outputs. |
Model explainability screen shows factor contributions to PD for each obligor. | |
Process Automation Automates recurring jobs such as regular model runs, reporting, and data updates. |
Users can schedule nightly model runs and automated report distribution. | |
AI Model Library Access to a library of pre-trained AI/ML models for insurance applications. |
No information available | |
Natural Language Query Interface Users can ask questions in natural language for simple risk queries and reports. |
No information available | |
Auto-Generated Insights Automated insight and summary generation from modeling results. |
No information available | |
Prediction Confidence Scoring Provides confidence intervals or scores for automated predictions. |
No information available | |
Bias Detection in Models Automatically checks for and flags bias in risk models. |
No information available | |
Workflow Automation Builder Drag-and-drop tools for designing automated modeling and reporting workflows. |
No information available |
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