See stress building in your loan book weeks before it shows in DPD
The Early Warning System watches account conduct, borrower filings and sector signals every day, scores each loan for stress, and routes alerts to the officer who owns the relationship.
- Built for
- Banks, NBFCs and cooperative banks with MSME and retail books
- Used by
- Credit monitoring, collections and risk teams
- Plugs into
- Core banking, loan systems, GST and bureau data with consent
Early Warning System for Loan Portfolios
By the time an account is 60 days past due, most of the options to save it have gone.
Early signs of stress are usually visible: credits falling, limits fully drawn, filings late, cheques returned. They sit in different systems, and nobody looks at all of them together until the account is already in SMA-2.
The Early Warning System brings those signals into one score per borrower and one queue per officer, so action starts while there is still time to talk.
What Early Warning System does
Daily signal scan
Account conduct, limit usage, returns and repayment patterns, every day.
External signals
GST filing behaviour, bureau changes and sector stress, where you have access.
Risk score per borrower
One score that explains which signals moved it.
SMA tracking
Movement between SMA-0, SMA-1 and SMA-2 by week, branch and segment.
Alert routing
Alerts go to the owning officer with a due date and suggested next steps from your playbook.
Board-ready reports
Portfolio stress by sector, branch and product for risk committees.
Every alert explains itself
Open a borrower and see each signal in date order with its source, how the risk score moved, and which follow-ups your team has already planned.
- Masked by role: names and account numbers are visible only to roles that need them.
- Your thresholds: signal weights and alert rules are set by your risk team.
- Action tracking: site visits, document requests and limit reviews logged against the alert.
What changes for your teams
Act while options remain
Alerts arrive at SMA-0 or earlier, not after slippage.
Effort goes where it matters
Officers work a ranked list, not a full portfolio.
A clear view of stress
Sector and branch trends in one report.
Your credit team makes every decision
Elite Wealth Tech Club is a software company, not a lender or credit bureau. Scores, flags and draft decisions support your officers; credit policy, thresholds and final decisions belong to your institution and follow your board-approved policy.
Ready for your IT, security and risk teams
Every product in every suite shares the same enterprise foundation, so a second product goes live faster than the first.
API-first
REST APIs and webhooks for every function, with sandbox keys, so your teams can build on top or embed in existing channels.
Role-based access
Roles, maker and checker steps, branch and team scopes, and field masking for personal data.
Deploy where you need
On your premises, in your private cloud, or hybrid, hosted in India to meet data localisation needs.
Security by design
Encryption in transit and at rest, keys held in your KMS or HSM, and support for your VAPT and vendor-risk review.
Complete audit trail
Every login, change, approval and export logged, read-only, and exportable for audit.
White-label
Your brand, your domain and your app. Customers see your institution, not ours.
Works well with
Products share one login, one data model and one audit trail, so they can be added one at a time.
Try Early Warning System on synthetic data
We set up a sandbox for your team with realistic, fictional data. Test the calculations, download sample reports, and check how it fits your systems before any commitment.