End-to-End Solutions: accelerating strategy deployment, driving innovation and facilitating change

In a challenging and increasingly fluid business environment, technology and software solutions must support transformation by accelerating strategy deployment, driving innovation and facilitating change.

The CRIF Credit Management Platform is an end-to-end solution enabling growth and innovation in credit management, based on three main pillars:

Embedded business processes

The CRIF Credit Management Platform leverages best practices in credit management implemented by CRIF all over the world. The library of processes embedded in the solution is the result of continuous improvements aimed at streamlining, evolving and improving the credit value chain. The platform ensures full coverage of credit phases from engagement to collection and recovery management.
Best-of-breed risk management tools and methodologies such as risk-based pricing, Ifrs 9, forward-looking analysis are also integrated to optimize the management of risks and regulation.

Bricks and agile methodology

The platform offers functional bricks, which are standard business process modules that leverage the best practices developed within the market. Thanks to these standard business bricks, a series of agile parametrizations is possible, thus accelerating implementation and further platform evolution. At the same time, the platform allows the integration of custom features representing the distinctive value and experience of each client.

Information framework

Data availability and data quality have proved to be the key to a successful credit business. Never before has regulation driven financial institutions in such a stringent way to ensure that information is available across the entire credit process, and is complete, consistent and simple to collect.

The platform is backed by the CRIF Data Model as the single repository, where data are stored under a quality process, to be used within any phase of the credit value chain. The repository is broad and
in-depth (all data in), flexible (data model able to add/remove information), and regulatory compliant (i.e. Gdpr, Psd2, and Anacredit).
The CRIF Data Model not only supports credit processes, but also credit governance through a reporting capability that reconciles the points of view of the Cro, Cfo, and Clo. An additional recent application has been the creation of the Loan data tape for supervisory needs regarding Non-performing loans.

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PRIVACY NOTICE

According to the EU General Data Protection Regulation n. 679/2016 (GDPR), we hereby inform you that CRIF S.p.A. an Italian company with its registered offices at via Fantin, 1/3 - 40131 Bologna shall collect and process your personal data as Data Controller, also through automated means, for purpose of responding your contact request about activities and services provided by CRIF and/or by affiliated companies. This contact will be put in place via remote communication for which we ask for your consent. Your consent for these purposes is mandatory and, without it, it will be impossible for us reply to your contact request.

If you want, you can provide us your consent for purposes of sending advertising, commercial and information material (Marketing purposes) related to CRIF or to affiliated companies. In these cases, your consent is not mandatory but CRIF shall not provide you advertising, commercial and information material.

 Your personal data shall be processed fairly and with the maximum confidentiality and may be communicated to members of CRIF Group for the same purpose stated here-above.

We also inform you that, under provisions of GDPR, on the base of lawfulness of processing and of the modalities of processing, if the conditions are met, you have the following rights: access to and rectification or erasure of personal data or the restriction of processing concerning your data or to object to processing as well as the right to data portability. Furthermore, you have the right to withdraw your consent at any time, without affecting the lawfulness of processing based on consent before this withdrawal.

Your personal data will be stored by CRIF until you will decide to withdraw your consent. We inform you that you can withdraw your consent at any time by writing to the following e-mail address: consensoprivacy@crif.com.

You can lodge a complaint with supervisory authority, using the following link: http://www.garanteprivacy.it/web/guest/home/docweb/-/docweb-display/docweb/4535524.

For any questions regarding the processing of your personal data, please contact our Data Protection Officer, using the following contact details: e-mail: dirprivacy@crif.com; tel: 0514175084; pec: crif@pec.crif.com.