CASME | Credit Assessment System for SMEs
Tools and solutions
With data already available in your ERP and risk profiling information stored in CASME, CASME gives a new dimension to
Risk & Performance by intelligently spotting risk-profiled sales opportunities. Scoring cards for different market
segments,industries, companies and individuals, allow you to determine the risk profile of the applicant, which knowledge
is then utilized to not only determine the best product bundle, but also to optimize the overall risk-benefit profile of the
Rigorous analytics gives you new insights into the opportunities to expand your portfolio in a healthy and sustainable way.
Serves as the input into the decision models
providing you with risk and commercial feedback
on the loan applicant in relation to your portfolio
and your risk appetite.
Monitoring the duration as a means to quality
control and speedy processing for your
A variety of decision models ranging from score
cards, portfolio optimizers and from wallet
allocators to cash flow management. See below
for the various decision models.
Enterprise Risk & Performance System to expand or build your SME portfolio
CASME additional features
Separate modules include
- Dashboard with powerful information on Key
Performance Indicators and Operating Metrics.
- Emerging market knowledge base.
- Warning system and automatic action generator.
At execution level the system excels through its
build-in warning system and diary keeping for the
officers. When applications have not been
finalized yet, the system will automatically
generate TO DO task lists to ensure speedy
CASME decision models
- SME credit scoring models emerging market
While financial information may not always be available to
the credit analyst, cash flow analysis, trade circumstances,
references from other sources are only a few of the factors
that drive the decision to accept or reject a loan applicant.
An extensive knowledge built around the input from
experienced emerging market credit analysts, marketing
officers, branch managers and CFOs form the foundation of
the credit scorecards against which a loan applicant is
Running at International banks in Indonesia, across a
network of more than 100 branches, for over the past
three years, the models form an integral part of the day-to-
day practices of the credit analysts, marketing officers and
Scorecards are available for different type of market
segments and business sectors, size of companies who
apply for loans, micro-lending and medium to corporate
sizes SME lending.
Taking into account the Banks strategy set on target
segments, such as loans sizes, business sector, this model
determines the optimal portfolio given your risk appetite
and bank strategy.
Given the buckets of companies this module allows you to
offer the right product with the right price under the right
conditions and offers a huge competitive advantage.