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

• 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

• 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

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

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

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