Portfolio Management
Portfolio Management
Effective management of credit portfolios requires the integration of regulatory with managerial and operational aspects.
Thanks to its skill and know-how, developed on an international level, and its ability to interpret and satisfy specific market needs, CRIF has been chosen by many financial institutions as a partner in the re-definition of strategies and the re-engineering of credit processes. In addition, CRIF solutions are strengthened by the services of Data4Value, a company specializing in micromarketing, regional marketing and geologistics.

The range of CRIF's information solutions, decision-making support systems and consultancy services allow financial institutions to fully exploit their own wealth information databases and to implement active customer management, through the dynamic definition of risk control and portfolio development activities.

For more information click here
 
Eurisc Scout


The solution which allows you to explore the value within your customer portfolio
 
CRIF Market Report

The CRIF report which provides relevant business benchmarking information
 
Perform


The CRIF Credit Bureau Score maximizes the value of information contained in EURISC by exploiting the predictive power of a wide and heterogeneous set of variables.
 
Operational Risk Advisor


The solution for rapid, integrated customer monitoring
 
Data4Value


Data Management Solutions.
 
Portfolio Explorer


Portfolio Explorer is the solution to monitor every client category: consumers, households, companies. It can be adapted to Credit Companies specific needs.
 
Business information monitoring

Protests, prejudicial events and Business Register.
CRIF provides information solutions for continuous customer reliability monitoring, thus allowing for effective credit and commercial relations management.

Protest Monitoring makes it possible to be updated periodically on parties of interest, as regards any protests made against them, registered in the official archives of the Chambers of Commerce. The checks are carried out on the Infocamere Lists of Protests relative to all protests filed over the previous month. It is performed using Smart Finder, the system developed for screening protests, which boosts the effectiveness of the search.
 
Creditminer.it


Creditminer.it is the web service that provides dynamic and multi-dimensional reports on the institution's customer portfolio characteristics, the credit policies implemented in branches and the performance of the scoring models used.
 
Marketmanager.it


Based on unique and constantly updated information, Marketmanager.it is the geographical analysis service which enables you to take a structured approach to strategic planning in the retail credit market, by assessing the quality of the credit market, your positioning and the potential for development within a given territory.
 
Eurisc Total Value


The innovative CRIF solution for the assessment and monitoring of each customer segment - consumers, households and businesses - tailor-made to the specific requirements of the credit institution.
 
Scoring Models for portfolio management

​From the standpoint of an efficient reengineering of all decision processes, CRIF Decision Solutions’ credit scoring models allow the definition of a more objective, consistent credit policy and better management and communication with the commercial network. Marketing scoring models serve as a valid aid in boosting the profitability of an existing portfolio and attracting the most lucrative prospects.
 
MarketLeader


The MarketLeader suite integrates in a common on-line "environment" services and solutions directed to prospect customers acquisition and customer portfolio development through services that operatively support banks and financial institutions in achieving their own marketing goals.
 
StrategyOne


StrategyOne is a consolidated, 360° business rules management platform enabling your organization to identify the right targets, increase customer loyalty, boost sales and profits, manage risk and implement business and regulatory policies and procedures.
 
CreditBility


CreditBility has a complete set of agile tools to meet the business intelligence needs of CRIF Credit Framework users to monitor, measure and improve business and portfolio performance. Start to leverage the wealth of information gathered by CreditFlow, decisioned by StrategyOne and processed by CLever to be smarter and better.

 
Business information on companies, people and real estate

CRIF supplies all the official information from the Chambers of Commerce, Courts and Land Registry Offices located throughout the country.
 
Internal Rating Systems

According to Basel II requirements, CRIF Decision Solutions provides internal rating systems with methodology and tools which enable banking and financial institutions to optimize resource allocation and maximize profitability.
 
SkyMinder


Skyminder (www.skyminder.com) provides detailed and up-to-date public information via the Internet on global markets and on 50 million companies in 230 countries, including information from international providers and local sources.
 
Strategic Card Management


Strategic Card Management is CRIF Decision Solutions' consulting unit specialized in payment and consumer credit systems which offers flexible and modular solutions for the credit card sector, and in particular for revolving cards.
 
CMS Pool

Closed User Group Information Exchange
 
Stress Testing

CRIF Decision Solutions, in cooperation with a highly qualified Tor Vergata University research team, carried out the development of Stress Testing Models specifically fitted for the Italian Retail Market to allow banks and financial institutions to evaluate the Probability of Default (PD) change in connection with different economic scenarios and to consequently estimate the effect on the Supervisory Capital.
 
Dealerview.it


Dealerview.it offers a complete and integrated range of solutions designed to support the strategic management of dealers: from planning to business development, assessment and monitoring to the analysis of your dealer network performance compared with competitors.
 
SkyMinder


Skyminder (www.skyminder.com) provides detailed and up-to-date public information via the Internet on global markets and on 50 million companies in 230 countries, including information from international providers and local sources.
 
Sonar


Sonar is a solution to improve and develop the activity of financial promoters. Through rigorous statistical analysis, the service gives a score evaluation to the behavior of promoters and identifies any eventual anomalies, on the basis of criteria that conform to current norms and indicators supplied by the Supervision Code of the Assoreti (the Italian association that groups financial and banking institutions selling products using financial promoters' networks).​
 
CRIBIS Teleservice - Outbound


Outbound Services
 
Crif Gateway

​The Crif Gateway dashboard software was developed by CRIF to help in acquiring information from external sources and integrating it with the lending institution’s information system.
 
Zone Score


Zone Score is the Data4Value suite of geo-marketing solutions which exploits the potential of regional data to reach its target market thanks to quick, precise and effective segmentation.
 
Eurisc 2.0


EURISC 2.0 is an innovative solution from the CRIF Credit Reporting System, which is available to banks and financial institutions to enable them to respond ever more effectively to business challenges in a new era of credit.
 
Risk Pilot



Risk Pilot, developed for the Polish market, allows you to extend the control over your customers by exploiting the added value of an integrated monitoring platform able to automatically collect information from different data sources such as BIG’s (Biuro informacji gospodarczej) or any other information data base.