Contact person: Business Client

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Location: Mumbai, India

Budget: Recommended by industry experts

Time to start: As soon as possible

Project description:
"RaRoC SaaS Platform : The Solution
1. Objective
Develop a cloud-native SaaS platform tailored for Indian banks and NBFCs to:
• Calculate Risk-Adjusted Return on Capital (RaRoC).
• Allocate capital and costs by product, segment, and risk type.
• Perform flexible scenario analysis modelling.
• Provide real-time dashboards for risk, capital, and profitability metrics.
• Support end-to-end workflow and audit trails for compliance and governance.
2. Key Features
a. Data Ingestion & Connectors
• Connectors/APIs to ingest data from core banking systems, credit risk systems, loan and investment portfolios, treasury, and ERP systems.
• Support common Indian BFSI data standards and custom formats (CSV, JSON, XML).
• Batch and real-time data ingestion capabilities.
b. RaRoC Calculation Engine
• Configurable formula for RaRoC combining revenues, expenses, expected losses, and allocated regulatory capital.
• Support Basel III/IV guidelines and RBI risk weight methodologies.
• Automated capital charge computations per asset class and segment.
c. Capital & Cost Allocation
• Flexible cost and capital allocation module to map overheads, operational costs, and capital charges to business lines.
• Support driver-based allocation and activity-based costing models.
d. Scenario Analysis Module
• User-friendly interface for defining multiple macroeconomic and microeconomic scenarios (credit shocks, interest rate changes, regulatory impacts).
• Batch run what-if simulations and compare scenario outputs.
• Integration with RaRoC calculations and dashboards.

e. Dashboards & Reports
• Real-time interactive dashboards with KPIs like Average RaRoC, Capital Utilization, Expected Losses, Cost Ratios.
• Drill-down and filter capabilities by business unit, product, geography, and scenario.
• Exportable reports compliant with RBI and local regulatory formats.
f. Workflow Automation
• Role-based access control for users.
• Workflow steps for data approvals, calculation validations, scenario sign-offs.
• Notifications via email and collaboration tools (Slack/Microsoft Teams).
• Task assignment and audit logging.
g. Audit Trail & Compliance
• Immutable logging of all data changes, calculation runs, scenario edits, and approvals.
• Full time-stamped audit logs to satisfy RBI and Indian IT compliance mandates.
• Data versioning and rollback capabilities." (client-provided description)