Core Capabilities
PROVEN. SIMPLER. FASTER. SECURE
Seamless Integration
Winnow introduces a seamless integration experience with its Plug & Play functionality. It simplifies the portfolio analytics with its in-built patented data models and transformation algorithms tailored for each product vertical - Credit Cards, Auto Loans, Personal Loans, Mortgages, and Program SME. Ad hoc reports and alerts can be generated effortlessly thanks to its user-friendly and intuitive front-end interface. With a limited number of required data elements, Winnow maximizes output using patented transformations. Data ingestion from source along with data reconciliation is fully automated with no manual intervention, hence error free.
Proactive Portfolio Management
Winnow offers swift identification of stress areas throughout the business & credit lifecycle using alerts for key business metrics like new bookings, activation, attrition, revenue, and delinquencies etc. With over 500 pre-built alerts and AI-driven guided analytics for root cause analysis, Winnow ensures proactive risk and revenue management. Create new alerts on the fly and enjoy automated escalation and propagation, with alerts delivered via email, SMS, or through the Mobile App.
Insightful Reporting
Winnow’s comprehensive reporting feature offers pre-packaged exhaustive list of dynamic reports categorized across the business life cycle, facilitating drill downs for root cause analyses with a click of a few buttons. Complex reports like Vintage Analysis, Was-Is Analysis and Static Pool Analysis are available, along with flexible templates for easy modification or ad-hoc report creation. Winnow can also provide monitoring of scorecards implemented by the business.
Granular Analyses
Conduct segment level drill-down analyses across multi-variate dimensions with just a few clicks, enabling in-depth understanding for revenue-building and risk-mitigating strategies. Winnow empowers users with detailed analysis on every business metric, ensuring informed and quick decision-making.
Advanced Analytics Suite
Winnow offers advanced analytics capabilities, allowing users to conduct Cluster Analysis, Factor Analysis, and create Decision Trees using any data point of a pivot or chart as a data frame. This empowers users with actionable intelligence for strategic decision-making.
Predictive Insights
Winnow offers forecasting for Loss, Revenue, Risk-Adjusted Yield, and indeed on all available Measures. Forecasting using multiple methodologies is available with back testing making forecasting uncomplicated and easy. Users can also perform segment-level forecasting using any available Dimensions. They can even integrate their own forecasting models into Winnow’s micro-service architecture and leverage Winnow’s powerful segmentation to run segment-level forecasts.
Global Reach
Winnow helps manage portfolios in multiple countries, ensuring seamless data analyses across diverse geographies.
Effortless Collaboration
With Winnow’s MS Office plug-in, users can download alerts and reports in Excel and PowerPoint and also in CSV, or PDF formats. Users can also create Briefing Books on the fly and automate Portfolio Quality Review decks which automatically update with every data refresh.
Best in Class Technology
Winnow employs cutting-edge technology to deliver superior performance. Our product utilizes Python/R for statistical modelling, React JS for a modernised frontend, Opensearch for fast, scalable data models, and Apache Kafka for real-time streaming alerts. These technologies ensure accuracy, efficiency, and fast response times, showcasing our commitment to simplicity, speed, and security.
Accessibility
Winnow ensures multi-device compatibility for smartphones, tablets, and laptops, enabling users to access information on the go, enhancing flexibility and productivity.