We help our Clients to understand and predict the risk for better financial decisions making and portfolio management.

• Risk analytics includes systematic methods for estimating, assessing and projecting risk associated with investments and business practices. aaum has developed mathematical models derived from extensive empirical testing and coupled with stochastic outcomes. In areas like financial risk, aaum utilizes models that express logical relationships that enable simulation of scenarios and subsequent outcomes, including testing and consolidation of risk exposure.

• Many businesses have to account for risk exposure due to their different services and determine the cost needed to cover risk. Organizations need to assess a borrower's potential and his ability to pay before approving a loan. Predictive analytics helps underwriting of these loans by predicting the probability of default due toillness, bankruptcy, etc and effectively streamlines the process of underwriting. Using customer information aaum's capabilities in predictive analytics in the form of credit scoring can significantly reduce the time (by what %) it takes for to approve a loan, especially in the mortgage market where lending decisions are now made in a matter of hours rather than days or weeks.

• Credit scoring is concerned with attaching a credit worthiness score to a borrower by performing statistical procedures. A credit score rates the credit worthiness of a borrower -- the higher the credit score, the less risk the person poses to creditors. With a careful analysis of statistics and picking out characteristics that relate to creditworthiness aaum's analytic engines enables organizations to arrive at highly accurate credit scores.

• Every portfolio has a set of delinquent customers who do not make their payments on time. Organizations have to undertake collection activities on these customers to recover the amounts due. A lot of collection resource time is wasted on customers from whom it is impossible to recover loans. aaum's predictive analytics helps optimize allocation of collection resource usage by identifying the most effective collection agencies, contact strategies, legal actions and other strategies for each customer -- thus significantly increasing recovery time at the same time reducing collection costs.

• Portfolio management is all about strengths, weaknesses, opportunities and threats in the choice of debt vs. equity, domestic vs. international, growth vs. safety, and many other tradeoffs encountered in the attempt to maximize return at a given appetite for risk. aaum makes use of a variety of sophisticated and proprietary tools and frameworks to help the clients make the best decisions regarding their portfolio.