Wholesale credit modelling software of the year: Moody’s Analytics

Moody’s Analytics has won Wholesale credit modelling software of the year at the Risk Technology Awards 2023 thanks to its excellent credit scoring models and solutions that address the diverse requirements of the wholesale market.

One of Moody’s Analytics key offerings is the EDF-X solution, which combines time-tested risk models with one of the largest company databases in the world. The integration of multiple views of credit risks and opportunities into a single web platform and application programming interface (API) enables users to assess credit risks for 450 million rated and unrated companies worldwide with greater speed and accuracy. It provides actionable insights throughout the entire credit lifecycle, including market analysis, new business prospecting, origination and risk rating, reporting, portfolio monitoring and regulatory applications. The flexibility of the EDF-X solution allows users to create custom dashboards and incorporate their own data, automating and streamlining the credit assessment process.

Moody’s Analytics leverages over 50 years’ experience in modelling credit risk to generate timely risk intelligence on businesses of all sizes across more than 200 countries and territories. This extensive data, coupled with its credit risk measurement tools, helps users to make informed decisions and effectively manage credit risks.

Moody’s Analytics also offers its CAP solution, a cloud‑based model lifecycle management platform that allows clients to customise Moody’s Analytics data and modelling frameworks to suit their needs. CAP enables fast deployment of models as APIs, which can be used for risk rating; stress‑testing; environmental, social and governance (ESG) analysis; and current expected credit losses calculation. The platform also addresses institutions’ model risk management requirements, providing automated model documentation, model inventory management, workflow tools and dashboard capabilities.

Unique and comprehensive datasets and expertise in credit risk modelling and machine learning, allow Moody’s Analytics to extract high-quality systemic and idiosyncratic risk signals. Its credit risk models are built on decades of global private company data, validated over credit cycles and informed by leading financial institutions. It also excels in providing actionable information and frameworks for making fast and effective credit decisions.

Moody’s Analytics has demonstrated responsiveness to the dramatic shift in the risk landscape over the past year, which includes macro risk, geopolitical tensions and concerns about consumer and commercial credit risk. The company advises its customers to invest strategically in early warning systems for credit risk, with its EDF-X solution providing a comprehensive mix of relevant and timely signals that uncover early signs of financial hardship. Moody’s Analytics has also been at the forefront of addressing climate risk and ESG considerations, delivering climate-adjusted credit risk measures that quantify the corporate credit risks related to climate change.

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