InCol Intelligence provides a loan-level view of lending portfolios by validating and standardising existing data, enriching it with relevant independent information, and turning it into usable analytics and reporting.
The platform supports a broad range of institutional requirements across portfolio intelligence, data integrity, climate and regulatory analysis, valuations, funding, securitisation, Significant Risk Transfer and capital management.
By creating a consistent analytical foundation across the portfolio, InCol Intelligence helps institutions identify risk and opportunity, improve reporting, support funding and capital decisions, and understand the underlying loans driving the outcome.
AI Powered Analytics
Riva AI is the proprietary AI interface within InCol Intelligence, enabling authorised users to interrogate mortgage portfolios directly in natural language.
Riva AI helps users:
Investigate portfolio trends, concentrations and exceptions
Analyse credit, collateral, climate and valuation data
Drill from portfolio-level questions to the underlying loans
Identify data-quality issues and outliers
Support management, regulatory and transaction analysis
Riva AI works from the validated loan-level data and analytics within InCol Intelligence, allowing users to move quickly from a question to the supporting evidence.
Data Integrity
InCol Intelligence includes automated loan-level data validation designed to identify:
Errors and omissions
Inconsistencies
Information gaps
Incorrect formatting
Data-quality exceptions
Validation takes place before the data is used for analysis or reporting, helping users establish a consistent and reliable data foundation across the portfolio.
Clear exception reporting allows users to identify where information is missing, inconsistent or requires further investigation.
ESG & Climate
InCol Intelligence combines loan-level portfolio data with independent property, valuation, EPC and climate information to provide a more complete view of physical and transition risk across mortgage portfolios.
The platform supports analysis across:
Flood, subsidence, coastal erosion and wildfire exposure
EPC and energy-efficiency characteristics
Transition risk and retrofit considerations
Loan-level collateral values and LTV
Geographic concentrations and portfolio outliers
Regulatory and management reporting requirements
Climate and property data can be analysed alongside credit and affordability information, helping users understand how changing physical and transition risks interact with the underlying mortgage portfolio.
The same validated loan-level foundation supports repeatable, evidence-led analysis and reporting, with traceability back to the underlying loans and source data.
Automated Reporting
InCol Intelligence turns validated loan-level data into repeatable reporting for management, Boards, regulators, investors and capital markets participants.
The platform supports:
Regulatory reporting
Management and Board reporting
Portfolio monitoring
Investor and funding analysis
Climate and risk reporting
Transaction and due-diligence outputs
Reports are generated from the same underlying loan-level data and analytical framework used across the platform, helping maintain consistency between analysis, reporting and the supporting evidence.
This reduces reliance on manual data preparation and makes reporting easier to reproduce, review and explain.
Funding & Capital Management
InCol Intelligence supports portfolio analysis and construction across secured funding, liquidity management, securitisation, covered bonds, whole-loan transactions and Significant Risk Transfer.
Its loan-level portfolio creation tools allow users to define transparent selection criteria, identify eligible assets and assess the effect of different portfolio constructions before execution.
The platform can support:
Portfolio eligibility and asset selection
Funding and collateral pool construction
Securitisation and covered bond analysis
Significant Risk Transfer portfolio construction and monitoring
Whole-loan portfolio analysis
Capital and risk-weight analysis
Ongoing portfolio monitoring and reporting
By applying consistent criteria directly to validated loan-level data, institutions can make portfolio selection more transparent, repeatable and easier to evidence to internal and external stakeholders.
Duplicate Collateral Detection
InCol Intelligence can identify potential duplicate or overlapping collateral records across loan portfolios, helping users detect where the same property or security may have been recorded more than once.
The platform can support:
Duplicate property and collateral identification
Cross-portfolio comparison
Detection of inconsistent property references
Investigation of potential data-entry or matching issues
Exception reporting for further review
By surfacing these exceptions at loan level, InCol Intelligence helps strengthen data quality and provides a clearer view of the assets supporting the portfolio.
See your portfolio more clearly.
Bring validated loan-level data, independent enrichment, analytics and AI together in one platform to support better-informed risk, regulatory, funding and capital decisions.