Automated Credit ratings, research, chatbot and insights

Value3 is a B2B FinTech offering Capital Markets AI-platform for independent, predictive and fully automated credit ratings, research, chatbot and analytics.

The platform is used by buy-side investment and risk managers in Capital Markets.

The platform combines financial data with unstructured online digital footprints, news, events, trends and patterns of the companies from diverse sources to transform data overload into actionable insights.

Automated Credit ratings, research, chatbot and insights

Value3 is a B2B FinTech offering Capital Markets AI-platform for independent, predictive and fully automated credit ratings, research, chatbot and analytics.

The platform is used by buy-side investment and risk managers in Capital Markets.

The platform combines financial data with unstructured online digital footprints, news, events, trends and patterns of the companies from diverse sources to transform data overload into actionable insights.

Why algoCRED?

Together, we can drive transformative change within the investment management industry

The Investment Management industry is undergoing momentous change, especially due to digital disruption. Existing gaps in current rating and research landscape lead to significant misallocation of capital.

Value3's algoCRED AI-platform has been built by the industry experts for the industry to mitigate current gaps and reimagine the global corporate and bond markets.

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Data Pipeline

Automation of structured as well as unstructured Data Collection, Cleaning and Classification.

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Model Pipeline

Automation of quant and machine leanring Model Construction, Calibration and Validation.

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Prediction Pipeline

Automation of Prediction engine, News Sentiment and idiosyncratic risk.

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Credit Rating

Automated quantitative as well as qualitative assessment to derive probability of default based credit rating of issuers.

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Credit Research

Automation of robo-analyst Credit Research Reporting using natural language processing and natural language generation technologies.

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Early Warning Indicators

Ability to listen near real-time data, news, corporate and regulatory events and derive credit signals to offer early warning indicators of deteriorating credit quality.

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Predictive and Fast

Offering predictive ratings with forward looking projections.

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Globally Scalable

Cloud based microservice architecture allows us to easily scale for different products and geographies.

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Cost Efficient

Automation ensures that their are significant cost savings in arriving at ratings for public and private companies.

Through the cycle v/s Point in Time Ratings?

In order to share some context, Basel requires through the cycle (TTC) long term credit ratings, whereas IFRS9 requires point-in-time (PIT) credit ratings that respond to the short term changes in credit cycles.

As our ratings are based on probability of default (PD) calculations, TTC predict average default rate performance for a particular issuer over an economic cycle and ignore short run changes to a issuer's PD.

PIT PD assesses the likelihood of default at that point in time. As it assesses risk at a point in time, the borrower will move up or down rating grades through the economic cycle.

While we compute both PIT and TTC ratings to share early warning signals based on short term as well as long term credit events, our automated credit research report renders long term TTC stable ratings.

How is AI, ML and NLP better at credit rating calculation?

The key advantages are:
OBJECTIVITY - INDEPENDENCE - TRANSPARENCY - FLEXIBILITY - PROCESSING CAPACITY - SCALABILITY.

  • Processing of large amounts of data (at speed) for dynamic instead of static variable selection, including a large amount of alternative (big) data sets.
  • Ability to decipher non-linear and multi-dimentional relationships and uncover generalizable patterns like market shifts
  • Reduce overfitting risk and increase out-of-sample accuracy via bootstrapping, bagging and boosting
  • No dependence on static assumptions as well as no introduction of cognitive and emotional biases
  • Comprehend and contextualise text, news and event data aggregated from web via web crawlers and NLP/NLG technology stack
  • Automated assessment of qualitative rating drivers with no manual and potentially subjective intervention in the overall rating process

Value3 FinTech Research Consortium Partners:

From the Founder's Desk

Awards & Recognition:


2019: Winner of FinTech Startup Challenge


2018: Most Innovative FinTech Product Award


2018: Selected by Nasscom for NIPP Program


2018: Selected in Entrepreneur First Singapore


2018: Top-50 ASEAN FinTech Startups


2017: Top-25 FinTech Startups in Europe

Our Clients:

Our Team

The Whole is Greater than the Sum of its Parts

Abhinav Mishra

Co-Founder and CEO

Christoph Brodowicz

Co-Founder and CFO

Fu Hua Hsieh

Senior Advisor, Financial Markets

Mahadevan Radhakanthan

Senior Advisor, Credit Risk Management

Marcin Kacperzyck

Senior Advisor, Machine Learning and Model Validation

Prabhash Chandra

Vice President, India Operations

Afzal khan

Analyst

Ajay ingle

Analyst

Akshay Deekonda

Analyst

Neel Maniar

Analyst

Tanmay Mishra

Analyst

Tejas Nakka

Analyst

Vighnesh Dhuri

Analyst

Yash Kamtekar

Analyst

Media Gallery

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IMAS-Bloomberg Investment Conference 2019 | Singapore
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algoCRED Product Roadshow | Basel, Switzerland
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algoCRED Product Showcase | Singapore FinTech Roadshow
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India FinTech Awards | Bombay Stock Excahnge, India
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Value3 India FinTech Hackathon | Mumbai, India

Want to join our Team?

We are always on look out for candidates who can join our vision to transform capital markets

The key roles at our business include: Data Scientists, Financial Engineers, ML/NLP, AWS, Research Analysts, Full Stack Developers, UI/UX developers.

We look forward to hear from you.

Singapore Office  
250 North Bridge Road, Raffles City Tower
Singapore - 179101

International Presence: SINGAPORE | VIENNA | MUMBAI