Designed for banks and non-banking financial companies (NBFCs), Qyros connects borrower risk, capital recommendations and the health of the whole loan book.
Qyros treats a loan book as a connected system. Each application is assessed against both the borrower’s risk profile and the current portfolio to recommend a risk-assessed capital range. Portfolio analysis considers sector concentration, liquidity needs, configured regulatory constraints and return targets, helping teams understand how individual decisions affect the institution’s overall exposure.
A loan can look sound in isolation while increasing concentration or weakening the balance of the wider portfolio. When risk calculations and lending decisions sit in separate spreadsheets, that connection is easy to miss. Qyros brings those decisions into a consistent framework that considers both the borrower and the institution’s existing exposure.
Evaluate an application against the borrower’s risk profile and the current state of the loan book. Qyros is designed to automate manual risk calculations and provide a portfolio-aware capital range for the lending team to review.
Explore portfolio composition within configured sector limits, liquidity needs, regulatory constraints and return targets. Identify concentrations and deviations that individual loan assessments may not reveal.
Model interest-rate increases, sector downturns, collateral depreciation and changes in borrower income. Assess how those shocks could affect the wider portfolio before a disbursement or restructuring decision.
Track concentration, delinquency trends and macroeconomic signals against configurable thresholds. Surface early warnings and traceable outputs to support ongoing risk reviews and audit preparation.
Connect borrower segments and sectors with indicators such as inflation, purchasing managers’ indices, property trends and agricultural output. The machine learning layer adds economic context that static scoring can miss as conditions change.
Qyros supports the decision; lending officers retain the authority to make it. Risk-assessed capital ranges give teams a consistent, data-backed starting point while keeping the borrower’s circumstances and the whole portfolio in view.
Follow portfolio quality, capital efficiency and the capacity of your lending team through a consistent set of measures.