Loss reserve analytics reduces credit risk for insurance and financial protection services provider

Sep 22, 2016

Business Challenge 

Optimizing loss reserves to reduce credit risks

A financial protection and insurance products provider wanted to simplify its loss reserves setting process to ensure optimum reserves for various offerings and reduce credit risks.


Non synchronized data hindering reserve determination

The client offered a wide variety of insurance offerings including individual and corporate insurance, long-term care insurance, annuities, and banking products. The client’s insurance specific data was unorganized and non-synchronized, resulting in difficulties to determine and set loss reserves for its transactions. Client wanted a solution for simplification of loss reserve process based on all transactional data.

Loss reserve analytics, predictive modeling and forecasting

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We used loss reserve analysis and forecast to align all of the client’s historical transactions  on a single platform, and evaluate the loss exposure. We analyzed the collated data to determine the reserve allocations and retention values for various products. We also used reserve analytics for loss predictions and to determine optimal pricing to minimize credit risks.


Better loan risk management with availability of loss reserve

The client utilized our single platform based loss reserve forecasting solution to ensure the availability of adequate reserves to absorb losses due to default. The client also improved its loss reserve amount auditing and implemented real-time monitoring, which helped ensure better lending decisions.

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