Question 1

How does RiskINTEGRA automate IFRS 9 Expected Credit Loss (ECL) provisioning?

Accepted Answer

RiskINTEGRA connects directly to core banking databases via high-speed APIs, automatically ingests loan portfolio data, applies Point-in-Time (PIT) Probability of Default (PD) and Loss Given Default (LGD) curves, incorporates multi-scenario macroeconomic overlays, and generates auditor-ready disclosures in Stage 1, Stage 2, and Stage 3 classifications within minutes.

Question 2

What is Obligor Risk Rating (ORR) and how does it improve credit underwriting?

Accepted Answer

Obligor Risk Rating (ORR) is an automated quantitative scoring engine that evaluates counterparty creditworthiness using standardized risk metrics, financial ratio analysis, and automated covenant tracking. It replaces subjective credit scoring with objective, auditable rating workflows.

Question 3

How does Nay & Joe ensure compliance with ISO 31000 ERM standards and NDPA data privacy rules?

Accepted Answer

We embed recognized standards and regulatory requirements into both our risk advisory methodology and technology solutions. Our ERM framework follows ISO 31000 principles across risk identification, assessment, treatment, monitoring, and continuous improvement, while our information security practices are informed by ISO 27001. For data privacy, we incorporate applicable NDPA 2023 requirements through controls covering data minimization, access management, secure data handling, privacy accountability, and protection of personal data. The result is a structured, standards-based approach that helps organizations strengthen risk governance, regulatory readiness, information security, and data privacy.

Question 4

Can RiskINTEGRA integrate with existing core banking and ERP software systems?

Accepted Answer

Yes. RiskINTEGRA is architected for seamless REST API integration with major core banking platforms, cloud data warehouses, and enterprise ERP software, enabling real-time Key Risk Indicator (KRI) monitoring and automated data flow.

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