● Risk AI Engine GLOBAL · LIVE
◆ Portfolios Monitored $420B+ globally
● NPL Reduction -38% with AI prevention
◆ Default Signals Detected 90 days early
● Risk Models Retrained daily
◆ Early Warnings Issued 18,400 today
● Prediction Accuracy 94.2% at 60-day window
◆ Countries Covered 180 globally
● Risk AI Engine GLOBAL · LIVE
◆ Portfolios Monitored $420B+ globally
● NPL Reduction -38% with AI prevention
◆ Default Signals Detected 90 days early
● Risk Models Retrained daily
◆ Early Warnings Issued 18,400 today
● Prediction Accuracy 94.2% at 60-day window
◆ Countries Covered 180 globally
zung.ai Global · Predictive Portfolio & Risk Intelligence
Risk seen before
it happens.
Prevention, not reaction.
zung.ai's predictive portfolio and risk intelligence platform transforms reactive risk management into proactive AI-driven prevention — detecting default signals 60–90 days ahead, monitoring every loan in your portfolio in real time, and giving your credit team the foresight to intervene before losses crystallise.
RS
OK
TM
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Trusted by 70+ lenders monitoring $420B+ in loan portfolios across 180 countries
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85
Health
Portfolio Risk Score — Good
94.1% PERFORMING · 18,400 MONITORED LIVE
Loan #LN-48291 — Default in 18d
⚡ High Risk
Sector: Retail — Stress signal
⚠ Watch
MSME cohort — Below avg risk
✓ Healthy
NPL Trend — 12 Months
↓ 3.2% → 2.0% NPL
-38%
NPL Reduction
90d
Early Warning
94.2%
Accuracy
Default signal — detected 90 days early
NPL ↓ 3.2% → 2.0% ✓
Risk models cover
Credit Risk
Market Risk
Liquidity Risk
Operational Risk
Sector Risk
180 Countries
By the numbers
Prevention that protects the bottom line
Every dollar prevented from becoming an NPL is worth far more than a dollar recovered. zung.ai's predictive risk engine catches deteriorating loans before the borrower misses a payment — giving your credit team time to intervene and save the relationship.
38%
Average NPL reduction across client portfolios
90d
Average early warning window before default
94.2%
Prediction accuracy at 60-day risk horizon
$420B+
In loan portfolios monitored globally
Core capabilities
AI risk intelligence that
never blinks
A unified predictive risk platform that monitors every loan, every borrower, and every sector in your portfolio — 24 hours a day — detecting deterioration signals before they become losses and surfacing recommended interventions to your credit team automatically.
90-Day Default Early Warning System
AI continuously monitors 400+ behavioural, financial, and transactional signals per borrower — detecting the combination of patterns that precede default up to 90 days before any payment is missed. Graded alerts (watch/warning/critical) with recommended interventions surface instantly to credit officers globally.
90-Day Foresight
Real-Time Portfolio Risk Monitoring
Every loan in your entire portfolio monitored in real time — risk-scored daily, stress-tested against current macroeconomic conditions, and segmented by sector, geography, product type, and borrower profile. Portfolio health dashboard updated after every transaction, every day.
Live · Every Loan
Sector & Macro Contagion Detection
AI identifies when stress in one sector, geography, or borrower segment is spreading — detecting correlation risks and contagion patterns that individual loan-level monitoring cannot see. Board-level alerts when aggregate portfolio concentration exceeds AI-defined safe thresholds.
Contagion Detection
IFRS 9 ECL & Staging Automation
Automated Expected Credit Loss calculation, Stage 1/2/3 classification, and forward-looking macroeconomic overlays — updated monthly with no manual model running. AI-generated IFRS 9 disclosures and sensitivity analysis delivered to your finance team ready for board review and audit.
IFRS 9 · ECL Auto
Collections Intelligence & Prioritisation
AI scores every delinquent and at-risk loan by recovery probability, optimal intervention type, and urgency — giving collections teams a prioritised daily queue with specific recommended actions (restructure, call, field visit, legal) most likely to result in repayment for each individual borrower.
AI-Prioritised
Stress Testing & Scenario Analysis
On-demand and scheduled stress tests against historical crisis scenarios (GFC 2008, COVID-19, emerging market currency shocks) and custom assumptions — with portfolio impact quantified, survival horizon estimated, and capital buffer requirements calculated automatically for board reporting.
Board-Ready Reports
How it works
From first warning signal to
prevented loss
01
Every loan monitored 24/7
All loan activity — transactions, balance changes, repayment patterns, income indicators, and external macro signals — streams into the zung.ai risk engine continuously. Every loan is re-scored daily against a model trained on the repayment outcomes of millions of similar borrowers globally.
Real-time · Every Loan02
Early warning signals detected
At 90 days before a projected default, AI detects the first behavioural signals — spending pattern changes, income disruption, overdraft frequency, payment velocity shifts. The signal strength is tracked daily and escalates through watch → warning → critical as the risk compounds.
90-Day Window03
Credit team alerted with action plan
The alert surfaces to the credit officer responsible — with the borrower profile, risk drivers ranked by SHAP values, predicted default probability and timeline, and specific recommended interventions (restructure, goodwill call, payment holiday offer) ranked by expected effectiveness.
Action-Ready Alerts04
Intervention prevents loss
Credit team intervenes with the AI-recommended action — preventing the default, preserving the relationship, and improving the loan's stage classification. Outcome is fed back into the model, making the AI sharper for every future prediction across your entire portfolio.
Default Prevented
zung.ai RiskIQ
● LIVE
✓ Monitor
⟳ Detect
Alert
Prevent
Portfolio Monitoring — Live
Loans monitored18,400 live
Signals per loan/day400+ signals
Portfolio health94.1% performing
Loans re-scored today18,400 / 18,400
All loans live400+ signals
Early Warning Timeline — Loan #LN-48291
Day -90Spending pattern shift detectedWatch
Day -60Income disruption signalWarning
Day -30Overdraft frequency up 4×Critical
NowDefault predicted: 18 days⚡ Alert
Credit Officer Alert — Sent
⚡ CRITICAL · LOAN #LN-48291
Default predicted in 18 days
Top driver: income disruption (SHAP +0.42). Recommended: restructure payment schedule — 78% success rate for this profile.
Action: Restructure78% success rate
Outcome — Loss Prevented
InterventionPayment restructured
Default prevented✓ Confirmed
Loan reclassifiedStage 3 → Stage 1
Feedback to model✓ Learning updated
Default preventedModel improved
-38%
NPL Reduction
90d
Warning Window
94.2%
Accuracy
Default signal — 90 days early
Loss prevented · Stage 3→1 ✓
Risk intelligence modules
Complete risk coverage
across every dimension
zung.ai's risk intelligence platform covers every risk dimension your institution faces — from individual loan default prediction to sector contagion, market risk, liquidity stress, and operational risk monitoring — all from one unified AI engine.
Credit Risk Intelligence
End-to-end credit risk monitoring — individual loan scoring, early warning detection, collections prioritisation, and IFRS 9 ECL automation — for every loan type, every segment, and every market.
90-day default early warning
IFRS 9 Stage 1/2/3 auto-classification
ECL model automation
Collections AI prioritisation
Sector & Concentration Risk
AI monitors sector exposure limits, geographic concentration, borrower concentration, and industry correlation risk — detecting when systemic stress in one sector is spreading through the portfolio before individual loan signals emerge.
Sector exposure heat maps
Geographic concentration alerts
Contagion pattern detection
Counterparty correlation analysis
Market & Interest Rate Risk
Real-time tracking of interest rate sensitivity, duration gaps, foreign exchange exposure, and mark-to-market valuations across the securities portfolio — with AI generating ALM recommendations when exposures approach policy limits.
Interest rate sensitivity (DV01)
FX exposure tracking
Duration gap monitoring
MTM portfolio valuation
Liquidity & Funding Risk
Integrated with the treasury intelligence layer — monitoring LCR, NSFR, intraday cash, and funding concentration in real time, with AI stress-testing liquidity positions under adverse scenarios and surfacing alerts 48–72 hours before threshold breaches.
LCR / NSFR live monitoring
Funding concentration limits
Intraday liquidity tracking
Stress scenario simulation
Operational Risk & Fraud
AI monitors operational processes for anomalies — unusual transaction patterns, agent behaviour outliers, system access anomalies, and process failures — with instant escalation to operational risk officers and automatic incident documentation.
Process anomaly detection
Agent behaviour monitoring
Fraud pattern identification
Incident auto-documentation
Regulatory & Capital Risk
Automated monitoring of capital adequacy ratios, regulatory limits, and stress capital requirements — with AI flagging when capital buffers are being consumed, projecting forward capital needs, and auto-generating ICAAP and ILAAP documentation for regulators.
CAR / CET1 live monitoring
Stress capital requirements
ICAAP / ILAAP automation
Basel IV readiness tracking
Developer-first
Risk intelligence via
one unified API
Query live portfolio risk scores, early warning alerts, and IFRS 9 staging data — or subscribe to webhook streams for real-time risk events — all from a single integration into your core banking or risk management system.
GET /v1/risk/portfolio
// Get portfolio risk snapshot
const risk = await zung.risk.portfolio({
portfolio_id: "port_9kx",
include: ["early_warnings", "ifrs9", "stress"],
horizon_days: 90
});
// Response
{
"health_score": 85,
"npl_ratio": 0.020,
"early_warnings": [{...}],
"ecl_stage_1": 94.1,
"at_risk_value": 2840000
}
const risk = await zung.risk.portfolio({
portfolio_id: "port_9kx",
include: ["early_warnings", "ifrs9", "stress"],
horizon_days: 90
});
// Response
{
"health_score": 85,
"npl_ratio": 0.020,
"early_warnings": [{...}],
"ecl_stage_1": 94.1,
"at_risk_value": 2840000
}
Real-time risk event webhooks
Subscribe to early warning escalations, IFRS 9 stage migrations, and portfolio threshold breaches — pushed to your credit management system or CRM the instant they occur.
IFRS 9 staging & ECL API
Query IFRS 9 stage classifications, ECL amounts, and forward-looking overlays for any loan or cohort — with full model documentation exportable for your finance team and auditors.
Embeddable risk dashboard widgets
Drop-in React components for portfolio health gauges, early warning feeds, NPL trend charts, and IFRS 9 staging summaries — embed in your risk management portal in hours.
Model governance & compliance
Audit-ready risk models,
globally compliant
Every risk model powering zung.ai's predictions is fully documented, independently validated, and compliant with Basel III/IV, IFRS 9, and local supervisory expectations — with complete model governance frameworks exportable for regulator review.
Basel III / IV Capital Framework
IFRS 9 ECL Methodology Compliant
Model Risk Management Framework
ICAAP / ILAAP Documentation Ready
SOC 2 Type II · ISO 27001
SR 11-7 Model Validation Aligned
Model Governance Documentation
Full model documentation — training data lineage, methodology, validation statistics, and performance tracking — ready for submission to any central bank or prudential regulator globally.
Explainable Risk Scores
Every risk score generated with SHAP-based explanations — which signals drove the score, with what weight — enabling credit officer review, borrower communication, and regulatory inspection.
Immutable Decision Audit Trail
Every early warning, alert, recommended action, credit officer response, and loan outcome logged tamper-proof — full lifecycle audit trail for regulatory examination and internal governance.
Continuous Model Monitoring
Gini, KS, PSI, and AUC tracked weekly — with automatic drift alerts when model performance degrades, and scheduled full retraining to maintain prediction accuracy as market conditions evolve.
Integrations
Plugs into every system
your risk team uses
Pre-built connectors for core banking systems, risk management platforms, regulatory reporting portals, and market data providers — live in weeks without disrupting existing risk workflows.
Temenos
Finastra Loan IQ
Oracle FLEXCUBE
Bloomberg Risk
Refinitiv Data
Moody's Analytics
SAS Risk
Mambu CBS
Salesforce CRM
Power BI · Tableau
Finacle
+80 more
See risk before it becomes loss
Stop managing risk.
Start preventing it.
Join 70+ lenders using zung.ai to monitor $420B+ in loan portfolios — detecting defaults 90 days early, reducing NPLs by 38%, and transforming reactive risk management into proactive AI-driven prevention across 180 countries.
Live in 4 weeks
90-day warning
IFRS 9 compliant
SOC 2 Type II