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In today's volatile times, how are you
managing risks within your organization?

Manage risks with high precision with Sunoida's Vision ERM

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Vision ERM Risk Manager: The one stop, all powerful platform
for all regulatory and enterprise risk reporting needs

Learn how you can adequately cover credit, market and operational risk calculations seamlessly

Vision ERM logo for slider

Vision ERM Insight: A credit scoring design philosophy that
marries the best of application and behavior credit scores

Learn how Vision ERM Insight brings the finest credit scoring design functions to deliver superlative results

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Understand, control, and mitigate risks using Vision Enterprise Risk Management

Vision Enterprise Risk Management (ERM) solution uses well-established tools combined with more than thirty years of experience in the banking industry to take users through a journey that cuts across models, frameworks, practice, data, markets, countries and reporting hierarchies. It simplifies factual representation and connects with board and executive team members in a language that they can understand and relate to.

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Collect, analyse and get real time views of risk across all your assets with Vision ERM

Advantages all around for greater profits

Lesser risks mean lesser worries

Risk Management’s greatest failure has been its inability to simplify its
factual presentation and connect with board and executive team
members in a language that they can understand and relate to.

Designed by senior bankers with decades of industry experience, Vision
Enterprise Risk Management (ERM), through its unique offerings – Vision
ERM Risk Manager and Vision ERM insight, identifies potential threats
and helps reduce their negative impact on the business. It collects and
analyses unstructured data and information to provide a real time view
of all assets and thus the risks associated with them.

Sunoida brings two unique offerings under Vision ERM:

Vision ERM: Risk Manager

Risk Manager is a one stop, powerful platform for all regulatory and
enterprise risk reporting needs of a financial institution.

Vision ERM: Insight

Insight is a credit scoring, internal rating, probability of default &
provisioning (loan loss reserves) platform.

How Vision ERM works

A comprehensive solution, Vision ERM delivers internal, regulatory & board risk reporting at one place. Its product risk family includes Risk Manager and Insight.

Vision ERM calculates capital adequacy ratios with a capital adequacy engine that includes a broad array of functions such as ALM, back testing, portfolio benchmarking, VaR etc. The balance sheet stress testing engine supports all techniques such as simple sensitivity analysis, scenario analysis, extreme value shock etc.

With Vision ERM, our expert team helps you find the best solution that meets your specific goals and requirements.

  •          VISION ERM: RISK MANAGER        
  • VISION ERM: INSIGHT
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Vision ERM Risk Manager

10 purpose-built modules to power up your enterprise risk management practice to meet today’s volatile landscape and tomorrow’s unseen challenges.

Vision Risk Manager is a one stop, powerful platform for all regulatory and enterprise risk reporting needs of a financial institution. Risk Manager includes an ERM solution that enables the bank to adequately cover credit, market and operational risk calculations. It also has a BASEL compliant report generator that generates many reports, and an Asset Liability Management (ALM) Engine with its own set of reports. Additional features include a balance sheet stress testing engine, a market risk calculator engine, and a capital adequacy engine.

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1. Market Risk Management

Measure market risks with a focus on metrics and measures that track volatility and positions combined with a focus on exposures, limits and reporting hierarchies.

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2. Credit Risk Management

Our credit analytics gives a breakdown by product, region, branches and segments of the days a payment is overdue (day past due or DPD) across the entire banking franchise and how it compares with the overall industry average.

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3. Operational Risk Management

The Vision ERM platform helps calculate capital adequacy ratios and estimate operational risk capital. It supports two operational risk capital calculation methodologies; the basic indicator approach, and the standardized approach.

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4. BASEL & Capital Adequacy Compliance

Vision ERM’s BASEL compliant risk manager calculates the capital adequacy ratio (CAR) and ensures BASEL compliance.

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5. Value at Risk Calculator

Our Value at Risk (VaR) calculator supports three current methods: Variance/Covariance method, historical simulation method, and  Monte Carlo simulation method.

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6. Balance Sheet Stress Testing Engine

The balance sheet stress testing engine supports three prominent stress testing techniques: Simple Sensitivity Analysis, Scenario Analysis, and Extreme Value/Maximum Shock.

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7. Asset Liability Management (ALM)

The ALM suite at Vision Risk Manger has been designed from the ground up by ALCO and ALM Committee Members over many years at our banking clients. It focuses on the analyses of key risks such as interest rate risks and liquidity risks.

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8. Limits Manager

The Vision Limits Manager comes with a suite of in-built reports that tracks, benchmarks and optimizes limit allocation by products and counterparties. With this, banks can avoid the damage and the cost of out of date, subjective limits.

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9. Reports & Dashboards

Vision ERM’s in-built reporting engine consists of standard reports and dashboards based upon years of banking and risk management experience. Some of the key reports cover ALM, VaR, Capital Adequacy, Market, Credit & Op Risk, Stress Testing and ICAAP.

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10. Future Proof Configuration Design

You can configure screens covering the revised framework document, central bank parameters, model parameters, securities definition and BASEL model weights.

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Vision ERM Insight

With the credit scoring design functions that deliver the highest levels of visibility and predictability, Vision ERM: Insight brings the edge you require to handle risk simply easily.

Vision ERM Insight is a credit scoring, internal rating, probability of default & provisioning (loan loss reserves) platform. Its credit scoring design philosophy marries the best of application and behavior credit scores. Vision Insight’s probability of default (PD) estimates reflect actual default probabilities, and the days past due (DPD) tracking is generated automatically thus making it reliable and effective.

Vision ERM Insight Modules

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1. Risk Rating

Combining the best of tested and established rating practices and the power of a Business Intelligence platform, Vision Insights generates a useful set of reports and analytics for use by the credit risk management function.

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2. Probability of Default (PD) Calculations

Calculate the probability of default (PD) estimates based on historical credit events and outstanding exposure and analyse payment behaviour processes.

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3. Customer Scoring and Dashboard

With complete quality data management, the customer scoring and dashboard accurately calculates, and analyses customer scores based on existing criteria, or define and test new attributes.

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4. Customer Credit Profiling

The balance sheet stress testing engine supports three prominent stress testing techniques: Simple Sensitivity Analysis, Scenario Analysis, and Extreme Value/Maximum Shock.

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5. Provisioning for Delinquencies

The provisioning module allows analysis of delinquency at a customer or facility level, with the ability to drill down and look at specific sectors, industries or by any other attribute.

Managing risks with precision: Find out how this top African bank found the smartest way to understand, control, and mitigate risks with Vision Enterprise Risk Management

Learn how one of the most respectable banks in East Africa , with footprint in 4 countries found ways to cut across models, frameworks, practice, data, markets, countries and reporting hierarchies to find a strong risk management strategy with Vision Enterprise Risk Management.

Why Sunoida Vision ERM

Sunoida’s Vision ERM solution helps banks manage risks (market risks, credit risks and operational risks) that may interfere with an
organization’s operations and objectives. Banking industry experts came together to design Vision ERM that lets you control and mitigate risks that could cause serious damage if not properly handled.

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Use the right risk frameworks

Shift focus from gathering, collecting, cleaning & reconciling data to identifying, understanding, and preparing for potential risks.

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Compare risk profiles

View all main risks of your bank as well as compare the size of risks with risk profiles from a day, a month, or a year ago.

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Meet all regulatory requirements

Meet all internal, regulatory & board risk reporting requirements with full reconciliation of your book of accounts and financial reporting results.