In a fast-evolving credit environment, risk is never one-size-fits-all.
For many financial institutions, traditional credit risk models are struggling to keep up—with outdated methodologies, inconsistent scoring, and growing regulatory pressure (like IFRS 9 compliance) creating daily friction. As portfolios diversify, so do the types of exposures banks must assess. Yet many teams still rely on generic or manual tools that don’t adapt to different asset classes or risk appetites.
Bluering’s Risk Rating platform was designed to change that.
Built to Handle Risk Across Asset Classes
Bluering’s modular risk rating system offers dedicated scorecards for different exposure types—each built on S&P Global’s credit assessment methodologies to ensure credibility, consistency, and regulatory alignment.
Current models include:
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Generic Corporate
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SMEs
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Banks
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Non-Banking Financial Institutions (NBFIs)
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Real Estate & Asset Finance
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IFRS 9 Projection Cycle Overlays
What Sets Bluering Apart
Bluering’s Risk Rating platform isn’t just built for compliance—it’s designed for performance.
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S&P-based methodology: Leverages trusted models used by top institutions
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Real-time ECL generation: Fully aligned with IFRS 9 requirements
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Modular and scalable: Use what you need, customise as you grow
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User-friendly experience: Advanced tech, intuitive interface
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Seamless integration: Compatible with internal systems and third-party data sources
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Audit-ready: User permissions, logs, and dashboard reporting built-in
With Bluering, credit teams are no longer burdened by spreadsheets or disconnected systems. Instead, they can rate risk with consistency, adapt quickly to new market segments, and gain real-time visibility over their entire portfolio.
Adaptable, Calibrated, Future-Ready
Every financial institution has its own credit philosophy and appetite. That’s why S&P Global’s models are fully calibratable by region, sector, or internal rating frameworks. Whether you’re rating a mid-market corporate, a local real estate project, or a regional bank, Bluering ensures your scorecards reflect real-world dynamics and policy nuance.
And with continuous platform upgrades already in motion—adding new asset-class scorecards and improving user experience—Bluering ensures you’re always one step ahead of risk.
Conclusion: Modern Risk Rating That Works
Bluering’s Risk Rating platform bridges the gap between regulatory compliance and real-world lending demands. It gives your team the tools to act with confidence—whether managing an SME loan or a cross-border exposure—without losing time, visibility, or control.
Want to explore how Bluering’s modular risk rating can fit into your institution’s strategy?
Book a demo today