Delinquency and classification review
Bring DPD reconciliation, watchlists and classification assessments into related workspaces. Document discrepancies between source data and the reviewed treatment.
Risk & financial controls
Asset quality & provisioning
Bring loan classification, provision review and credit exceptions into an independent control workflow.
PURPOSE & PRACTICE
Make classification differences visible and reviewable.
Loan-system outputs and regulatory control conclusions need a clear reconciliation. Asset quality work brings repayment information, arrears, classification and provision review into a process where differences can be examined and explained.
The module supports a control view over the loan book, with assessment records, working papers and continuing exceptions. A correction is followed through its evidence and review history rather than treated as complete because a replacement spreadsheet arrived.
Built around the work of
- Credit risk
- Provisioning and finance
- Collections control
CAPABILITIES
What you can manage.
Provision and income exceptions
Keep provision workings and income-recognition questions with the evidence needed to challenge them. Separate source corrections from changes in the applicable policy basis.
Continuing credit exceptions
Track stressed exposures, policy deviations and remedial action across reporting periods. Retain the later evidence supporting closure of an earlier exception.
FROM INPUT TO OUTCOME
A practical path through the work.
Agree policy and sources
Confirm the period, classification basis and reconciled extracts from the lending and accounting systems.
Investigate differences
Examine arrears, classifications and provision exceptions with their supporting loan or assessment records.
Verify the correction
Review the subsequent treatment and evidence before closing the issue or carrying it into the next period.
YOUR INSTITUTION, YOUR SCOPE
Relevant to banks and NBFCs.
BANKING INSTITUTIONS
For banks
The bank working-paper path brings source reconstruction, review and subsequent correction together. Confirm scheduled-commercial-bank applicability and the supported source inputs during implementation.
Explore banking workflows ↗NON-BANKING FINANCIAL COMPANIES
For NBFCs
Scope classification and provision controls to the NBFC’s applicable framework and loan products. Preserve the distinction between regulatory provision review and separate ECL measurement.
Explore NBFC workflows ↗Scope and implementationThis is a regulatory control layer over source lending systems. Detailed loan-reconstruction working papers are scoped to scheduled commercial banks and require release and applicability confirmation. ECL measurement remains in the separate ECL application.
INSIDE THE MODULE
DPD reconciliation assessment register
A view from the actual application, with the current module navigation. Open the screenshot to explore it in full.
Reference assessment records show delinquency-control work, review stages and due dates. The screen is the existing-assessment register, separate from the detailed bank working-paper view.
Reference bank environment · Captured 12 October 2026SEE THE ESSENTIALS · APPROVED MEMBERS
Inside the workflow in one minute.
Actual app screens, clear narration and optional captions. Choose a film to watch with your approved member account.
01:00 APPROVED MEMBERS
Risk & financial controls
Asset quality
Follow loan events into classification, provisions, income effects and a review trail that continues across periods.
Watch in one minute ↗SUPPORT THE CONCLUSION
Evidence to keep together.
- Period source extracts and reconciliation
- Classification and provision basis
- Exception explanation and review decisions
- Subsequent-period correction evidence
PRACTICAL QUESTIONS
Before you put it to work.
Does this replace the loan-management system?
No. The lending system remains responsible for servicing. RegQuanta provides the surrounding control work, reconciliation and review of the information supplied to it.
Is regulatory provisioning the same as ECL?
They are separate workstreams in this product suite. RegQuanta covers regulatory control and provision-review processes; specialist ECL measurement is handled in the separate ECL application.
LEARN THE SUBJECT
Educational reading.
Risk & finance8 min read
NPA classification and provisioning: a practical control guide
Separate credit deterioration, regulatory classification and accounting measurement.
Read article ↗CONNECTED WORK