ECM is an innovative patented software system for measuring and managing credit risk. ECM is based on statistical algorithms programmed for loan and loss forecasting and is industry certified. The scope of the application ranges from tracking well performing (Non-Delinquent) loans to loans having a high risk of default. ECM analyses and tracks credit risk from the portfolio level, through the various loan characteristics, down to account level, to inform loan pricing and collections management.

ECM’s precise measurement of credit risk delivers a critical input, first in the identification of new business quality and, thereafter, for collections and arrears management.

ECM is Basel II and IFRS compliant and is Revenue approved for the purposes of Provisioning and Profit reporting.