Avra Rating Platform
We designed Avra with a vision to address all the needs related rating analyses. Avra can host the rating models for obligor or facility ratings. Its dedicated workflow engine simplifies the management of the rating processes and allows easy implementation of industry standard maker/checker segregation with detailed audit trail. Avra also offers a statistical toolkit focused specifically for the rating model / scorecard development, as well as validation analysis.
Feature List
Rating Workflow
Efficiently manage and monitor the rating processes in your organization
Spreading
Store financial tables, use different templates for different industries
Model Management
All parameters are transparent and editable
Model Estimation
Use our strong statistical toolkit to build your own models
Email Integration & Notifications
Notifications and automated emails enhance the efficiency of the rating process
SaaS
Possibility to use Avra under a Software as a Service plan, hassle-free choice for small organizations
Workgroups
Organize your team into different groups and delegate tasks
Obligor Rating
Assess the credibility of the client, assign a PD
Facility Rating
Assess the risk associated to a particular facility, calculate LGD & Loss Rate
Dashboards
Create your own dashboard to better monitor the clients
Curreny Translation
Focus your rating assessment, let Avra to convert the financials to any currency you wish
Multi-language Support
Avra can speak in your language and as your organization grows it could maintain other languages as well
Archive
All the data carefully stored, build your adhoc reports on our comprehensive archive
What-if Analyses
Analyze the impact of various scenarios on client level or on portfolio level
Sampling & Categorization
Easily arrange your data for statistical analyses, apply Stratified Sampling, Discretization and Outlier Trimming techniques
Portfolio Level Reporting
Monitor your portfolio, drill it down by various attributes e.g. industry, rating, size etc.
Audit Trail
Comprehensive system logs stores all the details including who, what, when & where
Consolidated Entities
Rate you client alone or as a group. Allow rating enhancements based on group support
Ratios
Define your own ratios, use them in the rating models or in the reports/dashboards
Questionnaire
Create your own or use one of our off-the-shelf templates to create industry specific qualitative assessments
Industry Outlook
Analyze health of industries and set automated override mechanisms based on the outlook of an industry
Custom Expressions
Reflect your own way using expressions for rating calculation, ratios so on
Validation Analyses
Measure the performance of the models with industry standard approaches e.g. Gini coefficient, CAP, ROC etc.
Warning Signals
Set your early warning indicators and automatically reflect them in the rating assessments
Backtesting
Check your rating results against reality, measure $ performance with cut-off analysis
Maker / Checker Segregation
Measure the performance of the models with industry standard approaches e.g. Gini coefficient, CAP, ROC etc.
Active Directory / LDAP Integration
Use your operating system credentials to login
Expired Rating Alert
Set validity period for the rating assessment and let Avra to take care of the rest