Operational product
IT SARC
Credit risk administration software.
Start with the source definition, the operational problem, and the safest rollout path.
Where it fits
Where this product creates operational value first
It relieves operational pressure, supports the key teams, and makes the next safe step easier to define.
Who it is for
Designed for specific teams and operators
These are usually the first teams involved in adoption, rollout, and 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
Use cases
Where the product creates operational value
Use cases show the scenarios where the product reduces friction, risk, or manual work.
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.
High-value scenarios
Prioritize the highest-value operational scenarios
This is where the product creates the clearest operational value in day-to-day work.
Editorial hierarchy
Layered cards and panels
Measured accents based on real content
Capabilities
Core capabilities presented with more weight
These capabilities show the workflows, controls, and outcomes the product enables.
Designed surface
Show the capabilities teams will actually use
Buyers should be able to picture the workflows, controls, and outcomes they gain.
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
The source lists transmission-file support among the core modules and functions.
Regulatory updates
The source states the software stays updated with current Colombian financial regulation.
How it works
A clearer journey from onboarding to usage
The process shows how teams move from setup to reliable daily usage.
Product motion
Make adoption and day-to-day use easy to follow
The sequence shows how teams move from setup to reliable usage without guesswork.
Load and organize the information
Structure customer, collateral, and operation data under one configurable base for future-risk analysis.
Source
Evaluate and rate the portfolio
Apply objective, mandatory, subjective, and drag ratings using the criteria described in the source.
Source
Calculate provisions and generate reports
Produce provisions, expected loss, reclassifications, and reports for operational and executive analysis.
Source
Deployment and integration
Operational fit should look designed, not appended
Deployment and integrations show how the product fits into the existing stack.
Operational fit
Clarify how the product fits the existing stack
Deployment and integrations explain operational fit instead of reading like leftover implementation notes.
Deployment options
Integrations
Commercial model
Commercial structure with better visual presence
The engagement model explains rollout, support, and the main decision points.
Commercial shape
Explain how the product is adopted and supported
Commercial structure helps the buyer understand rollout, support, and decision points.
Trial demo
The source includes access to a product demo.
Additional context
Supporting detail
FAQ
Common product questions
Next step
Review the IT SARC scope
We review your credit-risk operation and show the source-backed scope for evaluation, provisions, and reporting.
Recommended action
Start with the constraints, urgency, and specialist support route that best fits the risk in front of you.