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What is Platform X - AutoML?

Our Integrated Stress Testing solution empowers financial institutions to move beyond traditional siloed approaches, providing a holistic view of risks across credit, market, liquidity, and operational dimensions. By integrating advanced scenario generator with Balance sheet, Liquidity, Capital and Loss projections, the platform enables leadership teams to evaluate potential shocks, optimize capital allocation, and make faster, data-driven decisions.

Calculation Rules

The Rule Engine serves as the intelligent backbone of the Integrated Stress Testing framework, driving flexibility, transparency, and consistency across all calculations. It allows institutions to define, manage, and execute complex business and regulatory rules without extensive coding or manual intervention. Through a configurable interface, users can set up transformation logic, adjustment methodologies, and conditional triggers that govern stress testing workflows and projections.

Balance Sheet Projections

This module translates stress scenarios into actionable financial impacts. It dynamically projects changes across the balance sheet, income statement, and capital structure to estimate losses, capital adequacy, and liquidity positions under different conditions. By integrating risk, finance, and business data, it enables leadership to evaluate capital resilience, optimize balance sheet strategies, and identify key drivers of performance and risk.

Scenario Generation

The Scenario Generation module enables institutions to design, customize, and manage a wide range of macroeconomic and market stress scenarios. Leveraging both historical data and forward-looking assumptions, it helps risk teams simulate diverse market conditions and assess potential vulnerabilities. The module allows users to create a Scenario for any combination of shock parameters, ensuring flexibility for both strategic planning and regulatory stress testing exercises.

Configuration
Management

Provides for configuring calculation logic right from business line to product level, along with an exhaustive set of attributes, pre-mapped to required products and/or business lines.

Data
Management

Data integration facilitating transaction data loading from multiple sources. Configure data quality identification rules to fix data issues before computation steps.

GL reconciliation feature enables early mitigation of issues if any.

Reporting

Preconfigured reports as well as deep drill-downs for reconciliation. Local regulatory reports supported for out of the box reporting and disclosures, along with a customizable dashboard and MIS for Senior Management.

Capabilities of Platform X AutoML

Decide on the optimal provisions number from a large number of alternatives.

Transparent

Has the power of glass-box computing by having the ability to explain how the results were obtained with full traceability.

Compute

360 degree and parallel compute allowing users to run simulations across dimensions.

Scalable

Can adapt to changing regulations, new risk management practices, without requiring any intricate changes in the platform structure.

 

Self Service

Unique capability allowing business users to modify any formulae from System UI itself with minimal support from IT team

 

Futuristic - AI Power

Decipher insights from the data leveraging the power of AI capabilities.

Interactive

Users can make changes to business assumptions or the rules from the UI, and immediately execute the engine to view the results

 

 

Technical Features

Platform X makes use of open source software and is based on special commodity hardware. It's computation engine is an Advanced Dynamic DAG processor that runs on Apache Spark which allows multiple methodologies and iterations on the fly. It has a browser based easy to use front end UI that complies with security and audit requirements.

  • Facility to configure and modify reporting templates from frontend provides complete adaptability to change in regulatory report on-demand
  • Users can drill down at CIF or deal or any other dimension level to view which records are leading to the charts or tiles displayed above
  • users can generate variious charts or tiles as a part of dashboard capability of the platform, between any two dates and be able to view trends, etc.
  • A new shock parameter (RW) is being added for an existing scenario. The parameter can be shocked through various levels of sensitivity as shown.
  • Users can create any number of scenarios, each of them can have multiple shock parameters (e.g. PD, LGD, RW, etc.)
  • Reports can be generated at defined frequencies and shared automatedly through scheduler and email configuration from frontend

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