The problem
Most monitoring failures are visible in the data well before they reach the books. The signals are scattered across systems and easy to miss.
Signals are spread across sources
Registry filings, security records, drawing power statements and account conduct sit in different places, so no one sees the full picture.
Reviews depend on memory
Warning signs get noticed only when someone happens to look, and follow-up is not tracked.
Action comes too late
By the time an account is flagged formally, the options to recover are far fewer.
How it works
Technology scans continuously. Experienced credit professionals review what it finds.
Collect
Registry, security and drawing power data is brought together for each borrower.
Detect
Rules and models flag early warning signals and rank accounts by risk.
Review
Credit professionals confirm each alert and recommend a clear next action.
Track
Actions are tracked to closure, with a record for audit and inspection.
What you receive
- Early warning alerts across your borrower portfolio
- Signals drawn from registry, security and drawing power data
- Risk-ranked watchlist for your credit team
- Recommended action for every confirmed alert
- Tracking to closure and an audit-ready record
Part of the Credit SPOC family
EWS works alongside DPulse, ChargeDesk and CrossTrace, so findings from drawing power, charge filing and registry search feed straight into your early warning view.
Frequently asked questions
Who is EWS for?
Public sector banks, private banks, NBFCs and other lenders that want a structured view of stress across their portfolio.
Does it replace our own monitoring?
No. It adds to your process. Alerts are reviewed by our credit professionals and handed to your team with a recommended action.
Which data does it use?
It combines ROC and CERSAI registry data, security records and drawing power information. The exact inputs are agreed with each bank.
How do we get started?
Book a consultation and we will scope a pilot on part of your portfolio.