As secured funding and Significant Risk Transfer (SRT) have become central to how banks raise term funding and optimise capital, collateral integrity is now a strategic requirement, not just a reporting exercise. InCol Intelligence provides the lens into a lender’s loan book that modern stakeholders need: it standardises and validates loan-level data, enriches it where relevant, and turns it into workflow-ready analytics and reporting. The result is automation, speed, accuracy and consistency in the decisions that matter, helping stakeholders understand risk, protect value, and avoid avoidable losses.
AI Powered Analytics
The platform’s closed proprietary LLM model, Riva AI, offers another dimension in the understanding and insight of any mortgage portfolio.
Riva AI delivers:
Deeper and Wider Insights
Complex Problem-Solving
Critical Business Analysis
Real-Time Analysis for Timely Decision-Making
Ask anything. Riva AI is limited only by your imagination.
Data Integrity
The platform's in-built data validation facility is a unique feature. This clearly identifies, highlights and cleanses for:
Errors and Omissions
Inconsistencies
Information Gaps
Incorrect Formatting
As a result, a user can be assured as to the consistency and integrity of any data for all analysis and reporting.
ESG & Climate
With the growing focus on developing climate risks, InCol Intelligence is your partner for:
Assessing Climate Risks
Monitoring Portfolio Vulnerabilities
Analysing Climate Impact Scenarios
Automated Climate Risk Reporting
The platform delivers powerful insights for proactive risk management, regulatory compliance, reporting, and strategic decision-making across mortgage portfolios.
Automated Reporting
Allow InCol Intelligence to streamline, standardise, and expedite your reporting workflows. The platform is designed to deliver comprehensive, push-button generation of;
Regulatory Reports
Management & Board Reports
Securitisation, Regulatory & Investor Reports
Climate & ESG Reports
Funder & Investor Reports
Design your own report using our framework and free your team from time consuming tasks, enabling them to concentrate on higher impact priorities.
Funding & Capital Management
InCol Intelligence has a unique portfolio creator. It can be used across funding, liquidity, capital management, securitisation, covered bonds, and Significant Risk Transfer (SRT). The portfolio creator addresses originator and investor requirements:
Enabling transparency and criteria definition in portfolio selection
Optimising capital relief through automated criteria selection
Allowing for greater agility to respond to changes in regulatory frameworks
Accelerating transaction execution timelines
InCol Intelligence ultimately improves an institution's ability to increase its lending activities by efficiently managing its funding and capital positions.
InCol Intelligence
Illuminate the Full Picture. Empower Your Decisions.