Lead the future of your business with Ethos™:
the comprehensive fintech data ecosystem from FIS


Ethos™ Credit Loss Intelligence

The Fastest, Easiest Way to Identify Risks in Your Portfolio, While Maintaining Compliance

Managing the complex dynamics of loan loss forecasting in today’s environment can be challenging. Many institutions are seeking easy, data-driven tools and processes to help them make better decisions while becoming CECL compliant. That’s why FIS has partnered with industry experts to bring our clients an exclusive, streamlined solution that is easy-to-use, affordable and fully transparent.

You Don’t Need Another Expensive, Risky Data Project

Credit Loss Intelligence eliminates the heavy lifting for your institution by tapping into existing data sources to deliver a turnkey reporting solution

Affordable Solution to a Costly Problem

Building new in-house systems only taxes your team and introduces risk. Stay focused on other things and protect your productivity, all for the cost of a single employee

Sophisticated Data Models

Sophisticated modeling with macro-sensitive factors keep your loan loss reserves current with default expectations across the life of your portfolio

Support You Can Trust

Reports include a self-service guide to help you understand how to approach updating your balance sheet, risk profile and pricing, as well as documentation needed for auditors

Credit Loss Intelligence provides user-friendly features, including:

Easy-to-use report content – Credit Loss Intelligence includes comprehensive consumer default risk modeling across your portfolio, as well as useful information such as a playbook to help you formulate an approach to implementing new loan loss reserve requirements while minimizing the impact to your business.

An industry-leading BI tool – With Credit Loss Intelligence's forecasting tool, create forecasts that include a snapshot of predicted required loan loss reserves consistent with CECL, using a common set of macro-economic inputs alongside your specific portfolio. It leverages a BI sandbox where your portfolio is aggregated with third-party data and is enhanced by advanced predictive modeling capabilities.

Automates visibility into portfolio changes – Your loans and default risk profiles are dynamic. With Credit Loss Intelligence, gain continuous insight into corresponding reserve levels as new loans are issued and existing loans are paid off, written off or recovered.

Protect your bottom line with these Credit Loss Intelligence benefits:

Priced exclusively for small to mid-tier institutions

This exclusive solution provides immediate value by solving for the historical data sourcing, aggregation and expert modeling that you need at a price point that is impossible to match.

A jump-start for implementation

Credit Loss Intelligence allows you to quickly establish, or even validate, your strategy by providing a turnkey, transparent reporting baseline. Use the runway to reset your pricing and risk tolerances across products in your lending portfolio and get your team prepared.

All-inclusive solution

Up to 15-years of historical data combined with macro-sensitive economic data and industry-leading CECL models ensure that you get the most accurate forecast with the least amount of strain on your team.