D&B Sentinel is a commercial credit risk management system with credit assessment, decisioning, pricing, portfolio management and internal ratings that addresses a bank's need for a comprehensive and standardized credit approval processes.

• Credit risk assessment and approval
• Risk based pricing and risk acceptance criteria
• Obligor and facility risk ratings
• Business segment / rating segment wise internal models
• Use of qualitative, quantitative and external data
• Workflow management and document uploading
• Portfolio analytics and peer group analysis
• Scenario analysis and stress testing
• Reports and dashboards

D&B Tracer is a one-stop retail credit scoring and decisioning solution. It augments credit risk management by providing both application and behavioral scores, supported by a configurable workflow. Tracer also facilitates and tracks origination of applications for various retail credit facilities.

• Single system enabling data capture for auto loans, mortgage loans, credit cards & personal loans and other variations of retail products
• Data retrieval for new application of existing customer, using unique customer id
• Dynamic workflow helping in faster adaptation to customer acquisition, credit decision management and administrative automation
• Robust rule engine for managing workflow and credit policy validations
• Availability of score at relationship level to have a single view
• Calculating the behavioral score for applicant
• System based credit policy validatio

D&B OpRisk Analyzer is an end-to-end solution that transforms operational risk management into a business opportunity, ensuring that operational risk management processes are effectively integrated into day-to- day business processes. The solution enables the Bank to proactively identify its operational risk exposure on a real time basis and successfully manage the exposures, thereby reducing costs.

D&B OpRisk Analyzer includes natively integrated modules supporting a comprehensive process of identification, assessment, mitigating, monitoring and reporting of operational risk.

• Process Mapping : Centralise repository of business line, activity, process and, process register, risks and controls
• Risk & Control Self-Assessment : Constant assessment of enterprise-wide risks & controls
• Loss Event Data : Decentralised system of loss event capture
• Key Risk Indicators : Creation, maintenance and monitoring of risk indicators
• Corrective Action Plans : Origination and tracking of action plans for risk mitigation
• Reports & Dashboards : Enterprise-wide dashboard and heat maps

D&B CCE is built on strong foundation of domain expertise to take care of complex requirements of Basel Accord. Banks can confidently march ahead for compliance of supervisory regulations.
D&B CCE follows a modular approach and allows banks to calculate capital requirement from the simplest approach to the advanced approaches suggested by the Basel Accord. Banks can also calculate & compare capital requirement for different approaches which allows them plan their transition towards adopting advanced approaches.
D&B CCE is configured with complex rules for optimization of risk mitigants which helps banks to take maximum advantage of credit risk mitigants in form of reduced requirement of capital in compliance with the Basel Accord.

• Provides complete solution for capital computations in accordance with Basel II
• Helps in transition towards Economic Capital
• Optimally allocates credit risk mitigants to exposures
• Provides a comprehensive scenario manager to help capital planning
• Exhaustive set of pre-configured reports
• Provision for a complete audit trail for supervisory review