HAWKEYE delivers continuous, intelligent portfolio surveillance — monitoring lending and investment portfolios for credit stress signals, behavioral changes, external triggers, and risk concentration — enabling proactive intervention before losses materialize.
Manual processes, fragmented tools, and legacy systems create compounding inefficiencies that limit speed, accuracy, and risk visibility.
A continuous, multi-signal portfolio surveillance platform that surfaces risk early — and routes alerts to the right people with the right context.
Our customers report consistent improvements across turnaround time, accuracy, operational efficiency, and risk management.
Designed with input from practitioners across credit, risk, operations, compliance, and technology functions.
How financial institutions apply this solution across their business operations.
CART's EWS is the lending credit risk module within CART — focused on individual borrower financial signals for underwriting and collections workflows. HAWKEYE is the enterprise portfolio surveillance platform — aggregating signals across lending and investment portfolios, providing management-level risk intelligence, and covering a broader range of signals including market data, sector analytics, and regulatory events.
Monitoring frequency is configurable by account type, risk tier, and product. High-value or high-risk accounts can be monitored daily. Standard retail accounts may be monitored weekly or monthly. Event-driven monitoring triggers immediate re-scoring when bureau alerts, payment events, or AA data changes are detected.
Yes. HAWKEYE includes a portfolio stress testing module that applies regulatory and custom macro-economic stress scenarios to the current portfolio — estimating probability of default migration, expected loss, and provisioning requirements under stress. Outputs are formatted for RBI regulatory stress testing submissions.
HAWKEYE supports both lending portfolio monitoring (borrower financial signals, payment behavior, credit score migration) and investment portfolio monitoring (issuer credit quality, market risk signals, covenant compliance tracking). Each has specialized signal libraries and alert types appropriate to the portfolio type.
Yes. Every alert threshold, scoring weight, and signal combination in HAWKEYE is configurable — by product type, borrower segment, geography, and risk tier. Risk teams can tune monitoring sensitivity based on their portfolio risk appetite and operational response capacity.
See HAWKEYE in action — a demonstration focused on your portfolio composition, risk management workflow, and monitoring requirements.