Solutions | Rhisco

Tegra® platform solutions

There is a constant change in market dynamics, and companies need to be prepared to compete with new business models that cross industries and expand market offerings.

To generate efficient processes and reduce regulatory risk, it is essential to systematize the integration of regulatory reports, as well as to have regulatory and business validations that give certainty regarding the data used and ensure consistency between reports before delivering them to the authority.

Rhisco offers you the technological solution you need, and our team of experts helps you successfully implement regulatory transformations, bringing relevant resources, experience, and support to the end of your processes on the table.

With Rhisco you're covered

Preventing large fines.

Gaining autonomy and control over your reporting process.

Sustaining a more efficient and competitive compliance dynamic.

Always guaranteeing formats and content in force.

Re-processing historically when you need it.

Save time with scalable and flexible technology.

Guaranteeing the traceability and security of your data, until the integration of reports.

With the certainty that the information is consistent with transparent validations.

Institutions that grant credit, whether regulated or unregulated, can benefit from an internal reserve model by freeing up resources that can be used to generate business.

Additionally, for regulated institutions, the CNBV established regulatory models for the constitution of reserves and qualification. The correct constitution of credit risk reserves and risk rating are part of the activities necessary for proper portfolio management.

The calculation of reserves requires complex processes to integrate the necessary information, which increases the risk of sanctions in regulated entities that must comply with IFRS9.

It is essential to systematize the calculation of reserves, as well as to have transparent validations that give certainty regarding the data used and the results obtained before they impact financial statements or, when applicable, before delivering them to the authority.

Rhisco offers you the technological solution you need, and our team of experts helps you to successfully implement the calculation of reserves under regulatory model and under internal model for any type of entity that grants credit.

We cover knowledge, technology, experience, and, if needed, support in the regulatory authorization process.

Credit institutions need to actively manage their portfolio seeking to optimize the relationship between the profitability obtained from the portfolio and the credit risk faced.

It is very important to manage risk both when originating new operations and throughout the life cycle of the portfolio until collection, this being particularly important in inflationary environments. Better returns are also expected in riskier portfolios, however, this must be measured and confirmed very closely to understand the impact of portfolio impairment due to the economic environment or proactively unmanaged collection.

Rhisco offers you the technological solution you need and our team of experts helps lenders successfully manage the relationship between profitability and risk under multiple reserve calculation models, various scenarios and simulations, as well as under changing conditions of operating costs, funding or sales.

Knowledge, technology and experience to get the highest risk-adjusted return on the capital invested in your portfolio.

It ensures consistency between financial and regulatory information, allowing multiple cubes of information to be generated, for example, to monitor the business model or to integrate financial statements, which, in turn, feed BI tools.

Casos Éxito tegra®

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Diseñada y creada por Rhisco, tegra es una plataforma tecnológica para análisis cuantitativo y gestión de reglas de negocio aplicadas sobre datos.

Enfocada a la gestión de rentabilidad y riesgos, la generación de reportes regulatorios, y la generación de informes de negocio y financieros, tegra resuelve retos de entidades que requieren:

• Realizar diversos análisis sobre un mismo conjunto de datos de su operación diaria, aplicando reglas distintas para cada análisis.

• Asegurar la consistencia de la información usada entre los diversos análisis a través de validaciones de negocio y regulatorias, obteniendo certeza en la información.

• Tener transparencia en las transformaciones y enriquecimientos de información realizados desde el origen hasta la salida.

• Demostrar trazabilidad en el proceso analítico, en los usuarios participantes en el proceso y en los insumos usados para las diferentes salidas.

• Alcanzar autonomía frente a Rhisco y al área interna de tecnología respecto al control sobre el proceso de negocio, considerando reglas de perfilamiento y control de accesos.

• Contar con la flexibilidad y escalabilidad para evolucionar el uso de la plataforma a nuevos análisis y mejorar su desempeño, sin limitaciones por el volumen, frecuencia y complejidad de la información.

Las soluciones configuradas dinamizan la funcionalidad de la plataforma de adquirir información, mapearla, enriquecerla, diseñar reglas de negocio, así como calcular métricas, agregar resultados y generar reportes e informes.

Personalizamos la solución a la forma de operar de la empresa y aplicamos nomenclatura que dé sentido de negocio sobre los datos.