Data and decisions
Turn your data into indicators your committee reads on Monday and uses that day.
In short
How can a financial institution use its data to make better decisions?
Certia consolidates information from your systems (core, collections, channels and risk) into clear indicators for every level of the organization. The committee sees trends and alerts, each manager sees their targets and each team sees the day's cases. You can also ask questions in plain language and get the answer with the source of the data.
At many institutions the monthly report arrives when it is too late to correct anything. Each department has its own version of the numbers and the meeting is spent arguing about which one is right.
We build a single view of the data, with agreed definitions and automatic updates. Dashboards show what changed and why, and alerts warn you when an indicator leaves its range. We add an assistant that answers questions about your data and shows where each number came from.
Where it applies
Risk committee
Portfolio trends, vintages and concentrations by product in a dashboard that updates itself.
Sales management
Origination targets per branch and per loan officer, with alerts when a region falls behind.
Questions in plain language
A manager asks how many loans were disbursed last week in a province and gets the number with its source.
What you get
- Data model with agreed definitions
- Dashboards for each decision level
- Indicator alerts
- Assistant for questions about your data
Industries where it applies
Questions about this capability
Do I need a data warehouse before starting?
No. We can start from your current databases and build the data layer gradually.
Who can see each piece of data?
Permissions are set by role and department, and every query is logged.
Can the assistant make up numbers?
It answers only with data from your sources and shows where each number came from. If it cannot find the data, it says so.
Other capabilities
- Origination and serviceServe and originate credit on every channel, with a pre-analysis built on your rules.View capability
- Smart collectionsPrioritize your portfolio daily and handle each case with the right tone and timing.View capability
- Identity and fraudVerify every person at onboarding and catch impersonation before disbursement.View capability
- Offensive cybersecurityTest your channels the way an attacker would, and fix what exposes you most first.View capability
- Technology operationsHand sensitive processes to a back office that grows or shrinks with your demand.View capability
Let's talk about what your institution needs to solve.
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.