Single point of access
for all securitizations’ data
Forget about excel and pdf files with outdated data that you are used to. Loans and notes data are part of the same transaction, why should they be reported separately?
Cardo AI Securitization platform provides you real time data on loans and notes, accessible 24/7 from anywhere.
BIG DATA infrastructure
Securitization’s data depend a lot on processes
and IT infrastructure of the originator or servicer
and are often full with invalid or inconsistent
information.
Cardo AI Securitization platform runs over 600
data health check controls that guarantee the
solidity and reliability of data, in addition, our
standardization engine ensure that all the data
are consistent and comparable: ready to be used
for your analysis.
Advanced Analytics
Our technology leverages the calculation power of the cloud allowing you to manage millions of rows and calculate statistics with a single click: point in time and historical insight on notes, loans, cash flows, guarantees and collateral, historical evolution of key metrics, stratification and cohort analysis.
Analysis can run at loan level, single transaction or across SPVs, providing and holistic view of your portfolio.
Stress test and scenario analysis
Simply inject a third party’s scenario or create your own with rating agencies and risk management best practices. Assumption can be set at overall portfolio level, group of loans (on any loans’ dimension such as performance status, industry, geography, rating, etc.) or single loan level.
Our simulation engine projects cash flows at the speed of light and replicate the payment waterfall of the transaction to estimate the return of each class of notes.
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Asset Manager
Uses our technology to manage different private debt investments in several underlying asset classes provided by 32+ originators in 25+ countries.
Results:
Thanks to our micro-service software architecture it was possible to obtain:
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One single data standard across 15 formats and numerous calculations methodologies -
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Real time performance monitoring at loan level detail -
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Fund limits and contractual thresholds management -
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Daily calculation of 17 sub-fund’s Net Asset Value -
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Complete Data Management
European Regional Bank
Uses our technology to manage 8 SPVs transactions with more than 500.000 loans and complies fully with regulatory requirements.
Results:
Thanks to the use of our technology and solid data quality processes, the bank was able to:
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Increase efficiency generating regulatory reporting from 5 days to hours -
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Reduce 5% of RWAs by eliminating calculation errors -
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Reduce overall reporting costs -
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Increase internal capabilities to project and simulate different scenarios of cash flows -
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Reduced Costs
Securitization Servicer
Uses Cardo AI technology to provide institutional investors with dedicated access to Securitization vehicle data and advanced reporting
Results:
Thanks to the flexibility in developing our client’s requests, it was possible to obtain:
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Provide access to third party investors of detailed loan level data and advanced cash flow projections -
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Create tailor made regulatory reporting such as an STS ESMA report, RWA report, and SEC-SA report, etc. -
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Reduce overall reporting costs -
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Develop an internal performance benchmark index on overall market data and own historical data -
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Improved Investors Trust
The ability to operate with technology and true intelligence at speed can be the deciding factor in success or failure in private market investments.
Start lowering your costs, scale faster and use more data in your decisions. Today!
