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The Risk Management Area at Indra relies on a multidisciplinary team of professionals, and the company has developed a specialized practice to offer robust and scalable solutions that respond to business requirements.

Through an integral Risk offering, Indra has the ability to collaborate with entities in regulatory (Basel II) and management areas.

Solutions and Services

SGR Integral Recovery Management: a highly effective proprietary solution that covers the entire range of the recovery and risk management world (outstanding payments, management of arrears, disputes and recoveries). It allows to measure and control the success or failure of collection actions, internal and external follow-up, as well as to adapt to a wide array of needs of very small and medium sized entities.

Implementation of solutions for proprietary and third party risk management, as well as various modules for each need: adaptation to regulations, advanced models, etc.

Functional consultancy: specialization in business processes, with a solid offering focused on results.

Risk Datamarts: Business Intelligence consultancy with extensive knowledge in the treatment and use of data, all to support the various types of risk:

• Operational risk: support in the risk identification process (risk map, operating losses), assessment/measurement (self-assessment, KRIs - Key Risk Indicators, Operational VaR), reporting (scorecards), risk management and controls (tracking and mitigation plans). Indra offers the OpVision solution, a calculation motor for the analysis and management of operational risk. This tool facilitates the evolution from basic and standard models towards advanced models, through a flexible and adaptable structure that enables entities to adopt various focuses for calculating regulatory capital and economic capital from operational risk. The OpVision PDF brochure includes functionality details and may be downloaded from www.opvision.es.
• Credit risk: support in the measurement process, including capital consumption calculation processes and integration of models in the credit process (concessions), as well as historical data regarding real losses due to risks assumed, expenses and recoveries, or reporting options (for the regulator, for management, or other areas).
• Market risk: through agreements with top-level partners, we offer tools for scenario simulations, assessment of tools, aggregation of portfolios, and statistical analysis.
• Management of assets and liabilities: behaviour forecasts of the combination of assets and liabilities, simulating the possible evolutions of the relevant economic variables. As part of a R&D&i project, Indra has developed, along with the Universidad Autónoma, a solution that allows to use statistical simulations, and that is flexible in defining the analyses that contemplate "what if" scenarios (including conditional simulation, which consists of previously establishing a variable as a curve or type of change, and analyzing its effect on the entire portfolio), the use of specific historical scenarios (for example, analyzing the 1987 crack effect) and stress scenarios. Complies with the Central Bank of Spain (Banco de España) RP51, RP52 and RP53 reports for the weighted balance structure.