2799 - Underwriting strategies for Royal Bank of Canada%20using Operational Decision Manager.pdf

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1、October 21-24,2024Mandalay Bay Convention CenterLas Vegas,NevadaUtkarsh PandeyIBM RBC Account Team,Tech Specialist2799:Underwriting Strategies for RBC using Operational Decisions ManagerAgenda01020304Journey to ODM Making of PathfinderHSBC AcquisitionProducts IBM TechXchange|2024 IBM Corporation#IBM

2、TechXchangeIBM TechXchange|2024 IBM CorporationBackground Problems in credit strategies,models,and attributes risk being unable to runOpportunity for higher eligibility,increased approval rates,and higher limits and balancesThe current systems which supports client and account level decisioning of s

3、trategies and scoring for RBC is hitting limitations on the number of treatment end-nodes and a strict data model thats difficult to change.New strategies that are unable to be implemented pose risks to RBC.Integrated implementation of sophisticated ML models are not supported in current systems set

4、 up.Targeted pricing strategies are expensive and time consuming to test and implement for new channels(HEF,Deposits,etc.)Growth strategies including Cards PLI constrained with limited ability to use nearer to real-time data and new data sourcesA configurable,flexible and extensible approach to inge

5、sting and managing data and its impact on strategies and modelsA proven Platform that is extended with an advanced modeling environment designed for the express purpose of creating and deploying decisioning models.Demonstrated ability to operate at speeds in excess of thousands transactions per seco

6、ndAn open platform with respect to current and future data science methods including advanced AI and ML modelsAbility to handle real-time/event-driven and batch data processing and decisioning at scale and speedRBC ChallengeDescriptionRBC NeedsA brief intro to the original problem statement#IBMTechX