One platform. Three critical challenges. One trusted data set.
InCol Intelligence brings loan-level data together with credit, collateral, climate, valuation and other third-party information in a single financial intelligence platform.
Use the same validated data to address three critical challenges:
Climate & Regulation
Understand your mortgage book’s exposure to climate risk, how that risk may change and how to meet associated regulatory requirements.
Capital & Value
Understand the capital required to support your mortgage portfolio and identify opportunities to optimise capital and improve shareholder and stakeholder value.
Growth & Acquisition
Identify, assess and analyse mortgage portfolios to support informed acquisition decisions and profitable growth.
Analyse individual loans or entire portfolios, interrogate your data with Riva AI and produce explainable, auditable intelligence for management, Boards, regulators, funders, investors and capital markets.
From fragmented data to trusted intelligence.
Financial institutions already have the data. The challenge is turning it into intelligence.
Critical loan, credit, collateral, climate and valuation information is often fragmented across origination and servicing systems, regulatory returns, spreadsheets and external data providers.
Different teams can therefore be working from different versions of the same portfolio, creating manual processes, duplicated analysis and delays in answering important questions.
InCol Intelligence brings that information together into a single validated data set, giving risk, finance, treasury, regulatory and capital teams a consistent view of the mortgage portfolio and giving senior management and Boards the intelligence they need to make informed decisions.
Validate. Enrich. Analyse. Interrogate. Explain.
One data foundation. Multiple decisions.
One platform. Three critical challenges.
InCol Intelligence uses a single validated loan-level data foundation to help mortgage lenders answer the questions that matter across regulation, capital and growth.
Climate & Regulation
Understand your mortgage portfolio’s exposure to physical and transition climate risk, how those risks may change over time and what they mean for regulatory and management reporting.
Combine loan-level data with property, valuation, EPC and climate information to produce evidence that can be traced back to the underlying property and loan.
Understand the risk. Evidence the answer. Explain it to the Board and regulator.
Capital & Value
Understand how the characteristics of your mortgage portfolio affect capital, risk and value, and identify where better data and analysis can support more informed capital decisions.
Analyse risk concentrations, collateral, valuations and portfolio characteristics from the same trusted loan-level foundation.
See where capital is being used, understand why and identify opportunities to use it more effectively.
Growth & Acquisition
Assess mortgage portfolios using the same data and analytical framework you use to understand your existing book.
Validate and enrich incoming portfolio data, identify concentrations and exceptions, assess credit and collateral characteristics and compare potential acquisitions against your own portfolio.
Move from a portfolio data tape to an informed acquisition decision faster.
One trusted data foundation
The same validated and enriched loan-level data supports each of these decisions.
Riva AI allows authorised users to interrogate that information in natural language, investigate concentrations and exceptions and move from a board-level question to the underlying loan-level evidence.
Trusted technology. Proven in financial services.
See what your existing data can already tell you.
InCol Intelligence turns existing loan-level data into trusted intelligence that can be validated, interrogated, explained and used across risk, regulation, funding and capital.