AGENDA

• Organization chart
• Credit Committees
• Monitoring & Interaction with GRM and Regulator
• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

Agenda

1. Intro Colpatria

1. Intro Colpatria

2.Risk VP / Retail Risk Teams

3. Portfolio Overview

2. Risk VP/Retail Teams

• Organization chart
• Credit Committees
• Monitoring & Interaction with GRM and Regulator

Retail U/W

• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

5 Years Retail Risk Strategy

2. Risk VP/Retail Teams

• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

Tailor made credit Policy for high income and self employed segment

• TDSR
• Differential terms

Improve time to yes: be market leaders

• Credit Express: mortgage and SMEs/ SMEs Automatic Renewals.
• Credit Analysis with virtual documents (with Ops area): SMEs and retail branches.
• Cells scheme in U/W area.

Support Growth: Aligned With The Bank ‘s Risk Appetite

InHouse income predictor: increase approval and allocation of credit limits

• Information: deposits, transactional, public services.

CMF segments: SME B and Micro

• Payment capacity trough costing methodology.
• Field Collections

Portfolio Management

Credit Policy

2. Risk VP / Retail Risk Teams

Portfolio Maintenance

NBSM

• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

MIS

BUREAUS

2. Risk VP/Retail Teams

• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

2. Risk VP/Retail Teams

• Portfolio Management
• Retail U/W
• Fraud
• Models
• Collections

Credit Cards

PLOANS

CODENSA

X-SELL

MORTGAGE

Thanks