Teams
Who usually works with it
The roles most closely connected to this product in day-to-day operation.
Institutions with consumer credit portfolios that need to implement or strengthen SARC
Risk teams calculating expected losses, provisions, and portfolio ratings
Banking operations that need separate handling for commercial, consumer, microcredit, and housing lines
Compliance stakeholders working under Colombian financial regulation
Common scenarios
Where teams rely on it
Recurring situations where the product is most clearly used.
Automate expected-loss and provision calculations
Run expected-loss, provision, and portfolio-rating calculations in one tool.
Organize customer and collateral data
Structure customer and collateral information to analyze future risk and deterioration.
Manage multiple credit-operation types
Work under one configurable structure for loan portfolio, credit cards, factoring, and leasing contracts.
Support operational and executive reporting
Generate operational, comparative, and executive reports to evaluate results and support decision-making.
Getting started
How adoption usually starts
The setup flow and early operating steps teams can expect when getting started.
Load and organize the information
Structure customer, collateral, and operation data under one configurable base for future-risk analysis.
Evaluate and rate the portfolio
Apply objective, mandatory, subjective, and drag ratings using the criteria described for the product.
Calculate provisions and generate reports
Produce provisions, expected loss, reclassifications, and reports for operational and executive analysis.
Capabilities
What teams can do with it
The main functions highlighted for the product.
Objective rating
Uses legally supported criteria such as individuality and temporality.
Mandatory rating
Evaluates credit behavior with criteria such as internal, CIFIN, and Superbancaria references.
Subjective rating
Allows rating based on documentation and institutional experience.
Collateral and PDI assignment
Considers multiple scenarios for collateral treatment and PDI assignment.
Drag rating
Considers the highest risk category for additional loans tied to the same debtor.
Accounting movements
Generates provision accounting, trace records, and reclassification based on ratings.
Transmission file
Includes transmission-file support among the listed modules and functions.
Regulatory updates
Is presented as staying updated with current Colombian financial regulation.
Availability and integrations
How it fits into the current environment
Access model, platform availability, and integrations teams should review before rollout.
Availability
Integrations
First step
How teams usually begin
The usual entry point or support model teams can expect at the start.
Trial demo
A product demo is offered as an initial way to explore it.
Closer look
Additional product context
IT SARC is a specialized tool for credit-risk administration and expected-loss calculation, built for institutions operating under guidance from the Colombian Financial Superintendency.
Where it helps most
- Functional and administrative separation for commercial, consumer, microcredit, and housing credit lines.
- Work across loan portfolio, credit cards, factoring, and leasing contracts under one configurable structure.
- Modules for objective, mandatory, subjective, and drag rating — plus provisions, accounting movements, and transmission files.
- Operational, comparative, and executive reporting to evaluate results and support portfolio decisions.
How adoption usually starts
A trial demo is offered as the direct first step. The product is presented as a way to structure customer and collateral data, then evaluate deterioration, provisions, and portfolio classification from that base. Public materials emphasize regulatory alignment and ongoing updates as ongoing features of the product.
Questions worth confirming
Concrete integrations, deployment model, technical requirements, and the full depth of transmission channel support should be reviewed directly with Eximus.
FAQ
Common product questions
Next step
See whether IT SARC fits your operation
Tell us about your credit-risk operation and we can show you whether IT SARC fits your current process.