Features

Winnow is rich with powerful features for all types of users. With over 1500 Alert Thresholds, over 250+ Reports each of which can have multi-variate segmentation over 60+ dimensions and role-based views and linked reports, Winnow is a complete pre-packaged early warning and analytics solution.

  • Modules - Cards, Auto Loans, Personal Loans, Mortgages, Customized SME modules
  • User Views - CEO, CFO, CRO, Product Head, Analytics Head
  • Reports - 250+
  • Drill Down Dimensions - 60+
  • Alerts - 1500+ Pre-programmed alerts by module by user role
  • Cube Free Desgin
  • Multi Contry Usage Capability
Early Warning Alert Capability
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Winnow's detailed Early Warning Alert Capability (EWAC) identifies issues early across the account and business life cycle to enable quick action by management.

Key alerts include reduction in new bookings, less activation, drop in line or loan size, increase in attrition, reduced income streams from interest, fees etc.

  • Pre-built set of over 1500 Alert thresholds enable highlighting of key areas of potential management concern.
  • Management by Exception allows for quick triggering of concerns at management level
    1. Enables automated and intelligent propagation of escalation as the alert conditions persist or worsen.
  • Tracking of portfolio caps and limits automated with direct alerting to relevant functional managers
Accessible on Mobile Devices
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  • Phone

  • Tablets

  • Mobile APP

Winnow's detailed Early Warning Alert Capability (EWAC) identifies issues early across the account and business life cycle to enable quick action by management.

Key alerts include reduction in new bookings, less activation, drop in line or loan size, increase in attrition, reduced income streams from interest, fees etc.

  • Multi-media multi-device compatible. Alert push can be via email, SMS or ping on smartphone, tablet, laptop etc
  • Companion reports - linked companion reports by clicking on the alerts.
    1. Enables structured and guided analysis of triggers
  • Simple process for new alerts to be created on-the-fly
    1. Enables structured and guided analysis of triggers
    2. Unique design allows EVERY measure to be used to power an alert
  • Alert Administration tool
    1. Enable / Disable alerts using one click
    2. Update target level and thresholds using an online tool
    3. Thresholds can be uploaded or use built-in functions e.g. last month, averages, last year etc.
Drill Down and Segmentation Capabilities
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  • Reports have one-click segmentation and drill-down, allowing multi-variate dimensional analysis to identify specific areas of revenue for targeted action
  • Winnow has detailed analysis capability helping management to address take early action to build revenues across portfolios :
    1. Activation and attrition analysis provide ability to identify segments which are lagging on revenue build
    2. Sales and spend analysis reports identify and trends and segments which are provide higher revenue
    3. Revolving and Utilization analysis help target customers who have relatively higher utilization and revolving rates to strengthen the bottom-line impact
    4. Fee and interest income analysis give focus to better fee generation and targeting price elasticity
    5. Payment analysis provides segmentation by payment levels and segments where portfolio run-offs may be higher
  • Segmentation and drill-down allows multi-dimensional views to highlight specific areas of higher risk for targeted early action
  • Winnow has in-depth reporting capability designed to provide management with the capability to manage risk pro-actively :
    1. Through the door analysis (provides early signs of changing portfolio mix)
    2. Account behaviour by MOB (provides changes in portfolio behaviour on a months-on-books basis
    3. Delinquency Vintage and Ever MOB (identifies new vintage bookings that seem to show worsening trends)
    4. Net flow analysis (provide indicators of deterioration in early flow buckets)
    5. Was-Is analysis (indicates deterioration in stabilization or worsening of bucket flows
    6. Lagged delinquency analysis (ensures portfolio growth does not hide underlying portfolio deterioration)
  • Standard segmentation may be automated
  • Regular ad hoc segmentations needed for risk/opportunity management is manual and requires programming efforts
  • Error and omissions in data selection can be time consuming and costly to correct
  • Drill-down code has to be developed based on requirements

Winnow Environment

  • Plug and play drill-down
  • Bypass manual coding
  • Testing and checking code to validate analytic approach not required, since no programming involved
  • Templates are flexible and easily created or modified
  • Platform costs are significantly lower
Pre Packaged reports and Dashboards
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Standard Reporting

Current Environment

  • No early warning/exception based triggers available
  • May be to some extent Automated and standardized
  • Needs SQL/SAS or similar environment to run
  • Hard-coded templates
  • Changing templates
    1. Requires significant analyst effort
    2. Requires re-programming
    3. Testing and trial required to validate changed code

Winnow Environment

  • Standardised early warning system to provide portfolio alerts across the business
  • Automated and standardized for all countries
  • Roll-up is possible
  • Bypass manual work-arounds and testing efforts
  • Templates and look/feel are flexible and modification requires minimal effort
  • Requires platform costs that are significantly lower

Adhoc Reporting

Current Environment

  • Iterative
  • Hard-coded
  • Revisions to reports and/or creating new reports
    1. Are time-consuming and tedious
    2. Require significant analyst effort
    3. Require re-programming
    4. May need additional data selections and download and additional IT support and costs
    5. Need testing and trial to validate changed code

Winnow Environment

  • Early Warning triggers can also be modified with ease in short timeframes
  • Plug and play
  • Bypass manual work-arounds and testing efforts
  • Template creation, look/feel are flexible and modification requires minimal effort
  • Requires platform costs that are significantly lower
SaaS Model
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Axslogic offers Winnow on a SaaS model that provides Winnow customers significant benefits at very limited upfront costs. In the SaaS model, Axslogic will host and manage Winnow at a secure and reliable External Data Center.

Customers access Winnow SaaS by purchasing Access Logins for the number of users required. There are no restrictions on the number of accounts, barring a minimum number of logins that must be purchased initially.

MS Office Plug-in

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Download and go

Download Alerts and reports as Excel, PPT or PDF.

Create Briefing books on the fly before any meetings or discussion.

Multi Country Capability
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