
ABC
High level numbers
Adventure
Safety
Memories
Experiences

Value proposition
Dynamic Credit Assessment
•Daily updateProbability of Default(PD) with financialratios,marketand macro-economic data
•Country- Industry Specific models
•Maps PDs to agency ratings
Early Warning Signal
•Multi-DimensionalEarly Warning combining PDs, financials, macro trends, news sentiment, and alt-data such as bureau records and behavioral indicators
•Clear driver attribution with fully traceable data inputs
Trustable Model
•Trained on 30 years of historical data, leveraging on Criat’s own default database
•Fully traceable data inputs
Forward-Looking Scenario Analysis
•Stress-test portfolios under macro shocks or custom scenarios.
•View 12–24 month PD and EWS projections in real time
Automated Credit Reports
•Entity & portfolio-level analysis
•GenAI-generated summaries for rapid credit understanding
Proven Model Accuracy
•Tailored models trained on client-specific portfolios
•Transparent PD and EWS performance across use cases
Flexible Delivery Options
•Available via on-premise deployment or cloud-based API integration.

Approach/methodology


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