One platform, many dimensions

An end-to-end solution for rating analyses.

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