Solutions

Vector Provides Comprehensive Financial Solutions Including Financial Planning & Analysis, Credit Risk Analytics, Debt Capital Markets, and Asset Liability Management to Enable Data-Driven Decisions and Ensure Regulatory Compliance.

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20+ Asset Classes

300+ Financial Models

SOC 2 Certified

Comprehensive Financial Solutions

Explore our specialized solutions designed to meet the unique needs of financial institutions, from risk management to strategic planning.

Financial Planning & Analysis

Advanced FP&A tool that generates 5-year projected balance sheets and income statements to enhance decision-making on profitability, capital, and liquidity.

Credit Risk Analytics & Reporting

Comprehensive tools to assess and manage credit risk, helping banks mitigate losses and comply with CECL and IFRS 9 standards.

Debt Capital Markets

Streamline debt portfolio management by digitizing debt agreements and automating funding requests with advanced analytics.

Asset Liability Management

Integrated ALCO reporting covering NII, EVE, duration, and EAR with comprehensive interest gap analysis and hedging strategies.

Scale Your Lending,
Not Your Operations

Vector Transforms Financial Analysis by Delivering Actionable Insights for Profitability Optimization, Liquidity Management, and Risk Mitigation, Enabling Lending Institutions to Strengthen Financial Resilience and Strategic Growth.

300

Financial Models

+45%

Increased Accuracy

80%

Time & Cost Saving

Asset Classes

PUBLICATIONS

Publications

Stay Informed With Our Latest
Research and Articles.

01/07

Machine Learning Applications in Lending

As of 2020, the financial sector debt reached $66 trillion equal to 25% of the global debt. As the world gears up to fight the pandemic, the need to precisely analyze credit risk and price...

Automated Machine Learning

AutoML is the automation of ML algorithms and the structured design process of a defined model. It provides predesigned systematically structured data analysis tools that help banks...

Buy Now Pay Later

Buy Now, Pay Later (BNPL) offers consumers the ability to purchase immediately and pay over time, rapidly evolving from simple 'Pay-in-4' plans to diverse financial models and integrated apps. The sector, primarily funded by merchant fees and occasionally featuring interest or late fees, prioritizes market share over immediate profitability. As it faces stiff competition from both new entrants and traditional financial institutions, BNPL companies must innovate to maintain growth.

What is Credit Risk and Why is it Important?

The lender offers credit to a debtor, termed a borrower, based on trust in repayment. Credit risk emerges when there's a risk the borrower might not repay, leading to the lender not receiving the principal or interest, thereby incurring significant financial losses. Additionally, substantial costs are often incurred in efforts to recover the loan amount.

Financial and Regulatory Reporting

Financial regulations, such as Basel and IFRS 9, dictate capital requirements for institutions to ensure economic stability. Government regulators enforce these to prevent crises like the 2008 financial meltdown, which caused major disruptions due to major institutional bankruptcies. Trust in banks, fostered by these regulations, encourages public deposits, crucial for economic functionality.

Scorecard - Credit Engine

Credit risk scorecards provide quantitative estimates of the likelihood of customer delinquencies, such as bankruptcy or loan default, in relation to their credit status. We've developed a fast, automated credit risk engine to enhance decision-making efficiency. Upcoming posts will explore common ML models used in the consumer finance credit risk sector.

Prepayment Analytics

The Loan Portfolio Cash Flow Forecast & Analytics offers in-depth cash flow projections accounting for defaults and prepayments, essential for financial planning and interest risk management. It also supports Investor & Warehouse Securitization Reporting with comprehensive pool analysis and aids in Loan Pricing & Scenario Optimization to maintain a balance between profitability and risk.