Analytical Platform for Credit and Asset Portfolios
Developed for managers seeking analytical precision and risk control
Credit Portfolio Intelligence is an advanced technological solution focused on quantitative analysis and portfolio management, developed for financial institutions, investment funds and managers seeking to maximize risk-adjusted returns.
Our platform centralizes credit cycle data intelligence, offering analytical visibility, financial calculation automation and proprietary risk modeling in real time.
Por Que Escolher Nossa Plataforma?
Monitoramento Analítico de Portfólio
Intelligence dashboards showing risk-adjusted performance, delinquency evolution and financial projections (Cash Flow).
Gestão Completa de Garantias
Registration, evaluation, and monitoring of real and personal guarantees, with automatic alerts for expirations and necessary revaluations.
Análise de Performance de Empréstimos
Detailed analysis of loan performance with regional breakdowns and borrower profiles, identifying trends and opportunities.
Documentação Digitalizada
Secure cloud storage (AWS S3) of all documentation related to operations, with access control and complete change history.
Modelagem e Analytics de Risco
Advanced metrics calculated automatically: PD (Probability of Default), LGD (Loss Given Default), VaR and Portfolio Stress Testing.
Compliance e Auditoria
Compliance with Central Bank regulations, LGPD, and accounting standards, with complete audit trails and automated regulatory reports.
Principais Funcionalidades
Gestão e Análise de Empréstimos
Complete module for origination, approval, and monitoring of credit operations:
- Cadastro Completo de Operações: Detailed record of all operation data including value, rates, terms, amortization type, guarantees, and documentation.
- Fluxo de Caixa Projetado: Automatic generation of payment schedules with calculation of interest, amortization, taxes, and other charges.
- Controle de Vencimentos: Automatic alerts for maturing installments, delinquency, and necessary collection actions.
- Renegociação e Reestruturação: Tools for modifying contractual conditions, debt consolidation, and payment agreements.
Inteligência e Perfil de Tomadores
Complete cadastral base with detailed information on each borrower:
- Perfil Completo: Personal, corporate, financial, and relationship history data with the institution.
- Análise de Capacidade de Pagamento: Evaluation of income, assets, indebtedness, and internal credit score.
- Histórico de Operações: Complete visualization of all past and current operations of the borrower.
- Classificação de Risco: Internal rating based on configurable criteria by the institution.
Gestão de Garantias
Controle rigoroso de todas as garantias vinculadas às operações:
- Garantias Reais: Registration of real estate, vehicles, machinery, stocks, and other assets given as collateral.
- Garantias Pessoais: Registration of guarantors, sureties, and co-obligors with their respective payment capacities.
- Avaliação e Reavaliação: Control of valuation reports with value history and alerts for periodic revaluations.
- Percentual de Cobertura: Automatic calculation of the ratio between guarantee value and outstanding operation balance.
Data Intelligence e Relatórios
Business Intelligence integrado para decisões baseadas em dados:
- Dashboards Executivos: Consolidated view of the portfolio with key performance indicators (KPIs).
- Análise de Vintage: Performance of credit vintages over time to identify quality trends.
- Projeção de Perdas: Estimates of necessary provision (ECL) based on statistical models and default history.
- Relatórios Regulatórios: Automatic data export in the format required by Central Bank and regulatory bodies.
Benefícios Para Sua Instituição
Precisão Analítica
Make data-driven decisions with robust statistical models, reducing uncertainty and optimizing capital allocation.
Redução de Risco
Improve portfolio quality with predictive analytics and rigorous approval and monitoring controls.
Visibilidade Total
Have precise and updated information on every aspect of your portfolio in real time.
Fundadores
Alexandre Ywata
Alexandre Xavier Ywata de Carvalho is a mechanical-aeronautical engineer and specialist in aerial armament engineering from ITA, holds a master's degree in statistics from UnB and a PhD in statistics from Northwestern University, United States. He holds CGA/ANBIMA certification and CVM qualification for portfolio management. He was a professor at the University of British Columbia, Vancouver, quantitative analyst at UBS, Chicago, Director of Regional, Urban and Environmental Policies and Substitute President at Ipea. He was President of Caixa Participações, Vice President of Risk and Internal Controls and Vice President of Investment Funds at Caixa Econômica Federal, Undersecretary of Economic Law at the Secretariat of Economic Policy (SPE), Secretary of Infrastructure Development (SDI) at the Ministry of Economy, and Special Secretary for Productivity and Competitiveness (SEPEC) at the Ministry of Economy. He was CEO at Banco Digimais. He is a professor of statistics and econometrics in the Master's and PhD program in Economics at IDP. He is the author of the book "Statistical Methods for Economics and Finance", published by the University of Brasília. He has almost 30 years of experience in developing risk systems and portfolio optimization.
Alexandre Marinho
Alexandre Saldanha Marinho is an experienced technology executive and founder of SIACorp, with over 40 years of experience in delivering innovative credit automation solutions. A recognized leader in the implementation of AI-driven credit decision systems across Latin America, Alexandre has a proven track record of implementing large-scale automation projects in banks and major industrial sectors, including agribusiness, chemical, steel, and pharmaceutical. Before founding SIACorp, Alexandre worked at IBM and PricewaterhouseCoopers, where he developed a solid foundation in enterprise technology, financial systems, and business process optimization. He is the creator of CreditFlow, a leading credit automation platform that transformed credit analysis operations for several multinationals and publicly traded companies in the region. He also led the development of CreditChat, an AI-powered assistant that allows real-time interaction, analysis, and collaboration within credit teams, and CreditVision, a next-generation platform for financial statement automation and advanced credit risk analytics, now enhanced with generative AI capabilities. Alexandre also founded Agrometrika, an agritech credit intelligence platform that integrates climate, agricultural, and financial data (acquired by Aliare, a BTG Pactual portfolio company) and Akrual, a fintech for cloud management of securitized products (CRIs, CRAs, FIDCs, debentures).