DIGITALCFO FORLENDERS &DEBT FUNDS
DIGITALCFO FORLENDERS &DEBT FUNDS

Optimize Your Financial Planning & Analysis (FP&A), Warehouse Borrowing Base, Securitization Reporting for Better Liquidity Capital, and Profitability Planning

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Integrated Loan Portfolio Analytics, FP&A,and Debt Capital Markets Solutions

Lenders • Banks • Debt Funds • ABS • Debt Securities

01

Financial Statements Projections

Generate 5-Year Projected Balance Sheets, Income Statements, Cash Flow Statements, and Financial Forecasts for Your Business.

02

Cash Flow Forecasting

Project Your Daily Cash Inflows and Outflows Over the Short and Long Term by Tracking Your Interest Income, Fee Income, Interest Expense, Equity Requirements, Origination, Funding, and Operational Expenses.

03

Liquidity and Capital Planning

Use the Cash Forecast Engine to Plan Liquidity and Equity Requirements for Growth and Stress Scenarios.

04

Pricing & Profitability Analysis

Vector Pricing and Profitability Model Runs Thousands of Iterations to Arrive at the Required Income from Interest and Fees, Portfolio Size, and Leverage to Achieve a Target ROA and ROE.

05

Scenario Planning & Simulation

Run Different Assumptions in the Model Related to Growth, Income, Expenses, Capital, and Liquidity, as well as Prepayment and Default Curves, which Could Materially Affect Income and Capital.

Financial Planning & Analysis

Scale Your Lending,
Not Your Operations

Vector Is the First Solution in the Market to Integrate FP&A, Credit Risk Analytics, ALM, and Treasury Operations, Providing Over 300 Financial Models Across 40 Asset Classes. By Connecting to 120+ APIs, Vector Streamlines Forecasting, Financial Projections, and Operations for Banks, Lenders, and Debt Funds.

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Asset Classes

Financial Institutions

Vector Covers a Wide Range of Financial Institutions and Asset Classes

Lenders
Credit Funds
Banks
Borrowers
Issuers
Credit Unions
Consumer Lending
Commercial Lending
Fintechs
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Why Vector ML Analytics

Setting Up With Vector Is Easy, Requiring No Effort From Your Engineering Or Finance Team

Data Tape Integration

Immediate Data Tape Integration, Seamlessly Accepting Your Existing Loan Tape In Any Format—Whether It's CSV, Excel, or Parquet

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No-Code

Customize and Deploy Financial Models and Reports Directly from the Vector Pre-built Library

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Explore Prebuilt Integration

Integrate with Accounting, Bank Accounts, Core Banking Systems Including Plaid, NetSuite, and AWS

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Custom Reporting

Generate Fully Customizable Reports, Tailored to Meet Any Business or Regulatory Requirement

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Clients & Testimonials

Executives and Analysts at Leading Banks and Lending Institutions Trust Vector ML Analytics.

Vector ML transformed our Debt Capital Markets strategy by seamlessly linking FP&A with borrowing base optimization. With real-time insights and granular data, we adjusted borrowing strategies, optimized capital deployment, and improved risk management—driving growth and efficiency in a competitive market.

Debt Consolidation Lender

Partnering with Vector ML Analytics has transformed our asset and liability management, offering advanced insights and forecasting for our loan portfolio. Their customized cash flow engine and in-depth analysis have greatly improved our decision-making capabilities. Their automation of warehouse and securitization reporting has also enhanced our operational efficiency. Vector ML's innovative solutions have significantly contributed to our strategic planning and financial performance. I strongly endorse them for any financial institution aiming to upgrade their portfolio management and reporting systems.

Siddharth Kakkar SVP
Finance Nuula

Partnering with Vector ML Analytics has revolutionized our warehouse and securitization reporting. Their custom cash flow engine and analysis have boosted our financial planning, profitability, and capital management. Vector ML's automation has streamlined our operations and improved our decision-making. I highly recommend them for any financial institution seeking to enhance their portfolio management and reporting.

Salvatore Tirabassi
CFO ProAnalytics

Vector ML's FP&A tool transforms banking by enabling detailed analysis of loans and deposits at the individual level. With behavioral assumptions, banks can automate models to adjust strategies based on customer behavior, leading to more accurate cash flow forecasts, better risk management, and smarter product pricing decisions, driving growth in a dynamic financial landscape.

Tier 1 Institutional Bank
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Publications

Stay Informed With Our Latest
Research and Articles.

Machine Learning
Applications in Lending

As of 2020, the financial sector debt reached $66 trillion equal to 25% of the global debt. As the world gears up to fight the pandemic, the need to precisely analyze credit risk and price...

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Automated
Machine Learning

AutoML is the automation of ML algorithms and the structured design process of a defined model. It provides predesigned systematically structured data analysis tools that help banks...

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Buy Now Pay Later

Buy Now, Pay Later (BNPL) offers consumers the ability to purchase immediately and pay over time, rapidly evolving from simple 'Pay-in-4' plans to diverse financial models and integrated apps. The sector, primarily funded by merchant fees and occasionally featuring interest or late fees, prioritizes market share over immediate profitability. As it faces stiff competition from both new entrants and traditional financial institutions, BNPL companies must innovate to maintain growth.

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What is Credit Risk
and Why is it Important?

The lender offers credit to a debtor, termed a borrower, based on trust in repayment. Credit risk emerges when there's a risk the borrower might not repay, leading to the lender not receiving the principal or interest, thereby incurring significant financial losses. Additionally, substantial costs are often incurred in efforts to recover the loan amount.

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Financial and
Regulatory Reporting

Financial regulations, such as Basel and IFRS 9, dictate capital requirements for institutions to ensure economic stability. Government regulators enforce these to prevent crises like the 2008 financial meltdown, which caused major disruptions due to major institutional bankruptcies. Trust in banks, fostered by these regulations, encourages public deposits, crucial for economic functionality.

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Scorecard - Credit Engine

Credit risk scorecards provide quantitative estimates of the likelihood of customer delinquencies, such as bankruptcy or loan default, in relation to their credit status. We've developed a fast, automated credit risk engine to enhance decision-making efficiency. Upcoming posts will explore common ML models used in the consumer finance credit risk sector.

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Prepayment Analytics

The Loan Portfolio Cash Flow Forecast & Analytics offers in-depth cash flow projections accounting for defaults and prepayments, essential for financial planning and interest risk management. It also supports Investor & Warehouse Securitization Reporting with comprehensive pool analysis and aids in Loan Pricing & Scenario Optimization to maintain a balance between profitability and risk.

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