Credit Portfolio Management is a cornerstone of sound financial / economic systems

Credit Portfolio Management (CPM) denotes a set of principles, tools, processes that underpin the management of Credit Portfolios (collections of credit assets). The defining characteristic of Credit Portfolio Management activities is that Credit Risk is assessed and managed not on a standalone basis but in an aggregate, portfolio, setting.

OpenCPM is an Innovative Platform for Credit Portfolio Management

OpenCPM Logo The OpenCPM platform is a cloud based framework that supports credit portfolio management activity using an entirely modern approach. OpenCPM supports all high level objectives of CPM:

  • Provide portfolio information (help assess the current state of the portfolio)
  • Help guide the origination of credit assets (help the formation of a future portfolio)
  • Improve the portfolio structure and reduce concentration risk
  • Help implementing and managing the risk appetite (setting and monitoring relevant risk limits)
  • Support the management of financial and/or other organisational objectives

Supporting the above requires capable, up-to-date data, models and tools that are fully embedded in the organization. Here is where OpenCPM aims to make a difference:

OpenCPM Benefits

Powerful cloud infrastructure, modern databases, sophisticated algorithms and machine learning change how many organizational procesesses are carried out and Credit Portfolio Management is no exception. The OpenCPM platform allows you to manage credit portfolios using the best modern technologies.

With OpenCPM you can:

  • Use public or private cloud instances to deploy your CPM framework for maximum flexibility
  • Bring together Open Data, your own Portfolio Data and powerful Risk Algorithms
  • Derive new insights using cutting edge visualizations

Developed with a Compliance First Mindset

A compliant risk architecture has never been more important in the financial services industry. Compliance is not a box-ticking exercise but rather ensuring the organization has fit-for-purpose behaviors, processes and tools to fulfil its mission. In the context of credit portfolio management compliance requires significant investment in data and model risk management and associated audits.

OpenCPM brings you right out of the box:

  • Transparently documented Linked Models
  • Provenance and tracking of Risk Data
  • Full Audit of Calculations

Highly modular and expandable to serve your needs for the foreseeable future

A Flexible and modular architecture based on the groundbreaking Open Risk API. An open standards based architecture is a pre-requisite for evolvable digital infrastructure that adapts to user requirements rather than the other way around.

OpenCPM allows you to:

  • Connect databases and model servers to meet evolving portfolio management challenges in a
    scalable and future proof way
  • Integrate your existing systems and tools through well defined semantic API's

Integrate Open Source Libraries

The cloud is based on open source technologies like Linux, powerful model databases like mysql, postgres are open source, machine learning is developed around open source communities (pytorch, tensorflow). These secular developments on how digital infrastructure is developed reshape also how risk management and credit management is pursued.

Leverage the enormous power of the open source movement to reshape your CPM operations:

  • Benefit from our growing collection of Open Source Risk Models
  • Extend OpenCPM with your (or third-party) Open Source libraries

Get in touch to explore how OpenCPM can help you reach your CPM objectives!

Send us an email at