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Home / Solutions / Risk Management / SME Risk

Handling Small and Medium Enterprises (SME) risk has always been a challenge for financial institutions. There have been numerous research papers / proposals to handle SME credit risk. Most of the methods involve a significant component of judgment and experience based decisioning.

For an effective credit risk management framework for SME, BrainMatics has designed an intuitive yet highly accurate method of obtaining an optimum quantification of risk – SME Risk Assessment (SRA).

SRA is particularly useful rating SME entities in emerging markets such as India. SRA’s new path breaking framework uses a patented multilayered hybrid approach to leverage all information available – macroeconomic information, industry information and firm data - hence better predictive power.

The SRA system has the ability to rank order SME organizations even if limited default data is present which is typical in emerging markets and geographies such as India. The SRA framework has been tested in markets such as India with highly successful results.

To know more about our SRA please contact us.

Key Benefits

  • Advanced techniques to address challenges specific to SME
     

  • Works well for emerging economies with limited default information.
     

  • Better predictive power than normal SME models