Real-Time Risk Orchestration for African Lenders
Move from reactive, manual credit analysis to automated real-time risk tracking. UNBRDN sits cleanly on your existing infrastructure—zero disruption, complete visibility, full audit trail.
Proven Results:
25%
Avg NPL Reduction
30%
PAR Improvement
5 min
End-to-End Underwriting
Not sure where to start?
Answer 5 quick questions and we'll recommend the best path for your portfolio.
Live in Production:
KES 1.4B+
Live Portfolio
25%
Avg NPL Reduction
90 days
To Prove ROI
Your Infrastructure
Integrates seamlessly
VALR Intelligence Layer
Pre-Lending • Monitoring • Recovery
Returns insights
Your Dashboard
✓ Real-time metrics for your scorecard
✓ Audit trail for every decision
✓ Early warning signals
✓ Zero operational disruption
KES 1.4B
Assets Under Management
101K+
Active Account Profiles
25%
Average NPL Reduction
90%
Faster Underwriting
Backed By
Member Of
Compliance & Certifications
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The CRO's Real Problem
You're Accountable for Metrics You Can't Fully Control
Your credit decisions are scattered across manual processes, spreadsheets, and officer judgment. You hit your quarterly targets, but the underlying risk framework isn't visible or auditable.
Portfolio Blind Spots
You're accountable for NPL targets, but your visibility into decision-making is fragmented across manual systems. How consistent are your credit officers really being?
Metrics Tell You Too Late
Month-end NPL reports show the damage after it's done. By then, you've missed 30 days of intervention runway. Early warning signals could have changed the outcome.
Can't Prove Your Process to Regulators
When auditors ask 'How did you decide to approve this loan?' your answer is 'This officer used their judgment.' Regulators increasingly want documented, auditable frameworks.
No Control Over Decision Variance
Similar borrowers approved by different officers at different rates. Some officers approve 80%, others 40%. Your portfolio risk is inconsistent and unpredictable.
Recovery Opportunity Loss
PAR rises, but by the time you mobilize your recovery team, borrowers are in crisis. You lose 20-30% of recoverable value by acting too late.
The Cost of Visibility Gaps
When you can't see how decisions are being made across your portfolio, you inherit the risk. Every month brings surprises on your scorecard.
Higher than necessary NPLs
Approvals of borderline cases compound into preventable defaults
Lower recovery rates
Late interventions mean distressed borrowers reach crisis before action
Regulatory risk
Auditors question whether your framework is disciplined or discretionary
Impact on Your Metrics
vs. portfolio with consistent decisioning
Late interventions cost recoverable dollars
Harder to defend lending decisions under scrutiny
What If You Could See Everything?
Full visibility into how decisions are made. Early warning signals 3-7 days before defaults. An auditable framework you can defend to regulators and your board. That's what VALR provides—without disrupting your current systems.
100%
Decision Audit Trail
7 Days
Early Warning
25%
NPL Reduction
How It Works
Three Stages. Three Measurable Outcomes.
VALR Capital delivers results across the entire credit lifecycle—from better origination decisions to faster recovery action. Here's what actually improves.
Key Metric
25% NPL Reduction
Pre-Lending: Better Decisions
Consistent origination criteria means fewer avoidable defaults. Similar borrowers get similar treatment, not different decisions based on which officer reviews them.
How VALR Does It
Built-in mandate alignment checks catch criterion drift before capital deploys.
For You (CRO)
Your origination becomes defensible and repeatable.
Key Metric
35% PAR Reduction
Monitoring: Early Visibility
See risk 3-7 days before it crystallizes. Real-time portfolio segmentation and early warning signals give your recovery team runway to act.
How VALR Does It
Early intervention means recovery rates improve 20-30% vs. reactive collections.
For You (CRO)
You're not surprised by monthly PAR spikes anymore.
Key Metric
90% Speed Improvement
Recovery: Structured Action
Identify high-probability recovery candidates immediately. Isolate write-offs early. Convert distress into systematic recovery workflows.
How VALR Does It
Recovery teams spend time on winnable accounts, not equal effort across all cases.
For You (CRO)
Better capital outcomes + cleaner board reporting.
The Difference
Why VALR Outcomes Are Different
Built by Operators
VALR founders have $2.5B+ credit management experience. We built VALR because we lived these problems.
Non-Disruptive Integration
VALR feeds from your existing systems (core banking, collections, portfolio tools). Zero operational disruption.
Proven at Scale
KES 1.4B+ live portfolio. These outcomes aren't projections—they're operational proof.
Audit-Ready Framework
Every decision has a documented framework and audit trail. Regulators see discipline, not discretion.
Without VALR
- • Reactive portfolio monitoring (month-end surprises)
- • Inconsistent decision-making across officers
- • Late interventions, lower recovery rates
- • Manual processes, operational friction
- • Harder to defend decisions to auditors
With VALR
- ✓ Proactive early warning (3-7 days ahead)
- ✓ Consistent, auditable decision framework
- ✓ Early interventions, 20-30% higher recovery
- ✓ Automated insights, human judgment respected
- ✓ Full audit trail for regulatory confidence
Success Story
From Reactive to Proactive: A Transformation Story
How a regional microfinance institution reduced their Portfolio at Risk by 75% and transformed their credit operations.
The Challenge
A microfinance institution with a $15M SME loan portfolio was struggling with a 32% Portfolio at Risk rate. Their credit team was overwhelmed, spending 80% of their time chasing delinquent accounts rather than preventing defaults. Recovery rates were declining, and their largest fund investor was threatening to reduce their credit line.
The Approach
- 1.Implemented early warning monitoring across their entire portfolio
- 2.Segmented distressed accounts by recovery probability
- 3.Established structured intervention protocols for each segment
- 4.Automated mandate compliance tracking and alerts
"Within 3 months, we went from firefighting to forecasting. Our team now prevents problems instead of just reacting to them. The investor confidence we've rebuilt is invaluable."
-- Chief Credit Officer
The Results
PAR Reduction
Early Warning
Recovery Rate
Intervention Success
Bottom Line Impact
The institution recovered an estimated $1.2M in loans that would have previously been written off, while reducing operational costs associated with collections by 35%. Their fund investor not only maintained but increased their credit line by 40%.
Ready to see what's possible for your portfolio?
Schedule Your Portfolio ReviewLive Outcomes
Why VALR Is Different
Not Another Vendor. A Credit Partner Who Gets Your World.
In a market crowded with point solutions and legacy vendors, VALR stands alone. We're operators who built technology for operators.
Built by Operators
VALR founders have managed $2.5B+ in institutional credit. We built this for institutions like yours because we lived these problems.
$2.5B+ management experience
African Credit Expertise
Most credit tech is built in Silicon Valley. VALR is built by people who understand African SME lending—offline data, macro volatility, regulatory complexity.
Purpose-built for your market
Zero-Disruption Architecture
VALR doesn't replace your systems. It feeds from them. Your credit officers keep doing their job. VALR gives them better data and your leadership better visibility.
Non-invasive integration
Proven at Scale
This isn't theory. KES 1.4B+ live portfolio in production. The 25% NPL reduction, 30% PAR improvement, and 90% speed gains are operational proof.
Outcomes backed by real data
What This Means for You
Other vendors will ask you to adapt your workflows to their product. VALR adapts to your reality—because we've operated in your reality.
Zero training overhead. Your team knows how to make credit decisions. VALR makes them better-informed.
Implementation weeks, not months. No system replacement. No team reorganization. Just visibility.
Regulatory confidence. Auditors see discipline and auditability, not black-box AI.
Find Your Path
Answer 4 quick questions to get a personalized recommendation
Question 1 of 4
25%
This quick assessment helps us recommend the best starting point for your situation.
Ready to See What's Possible?
Choose your next step: explore the framework, test on your data, or build the case for your board.
Portfolio Risk Framework
Practical guide on early warning signals, recovery prioritization, and mandate compliance.
Includes:
- 5 early warning indicators most lenders miss
- Portfolio segmentation framework for intervention prioritization
- Recovery rate benchmarks by distress category
- Mandate compliance checklist for credit committees
Zero-Cost Pilot
Start a pilot on 20% of your portfolio. See real metrics improvements risk-free in 90 days.
You'll get:
- 1:1 implementation support
- Dedicated data analyst
- Monthly metrics reports
- 90-day pilot agreement (no long-term commitment)
CRO Board Brief
Executive summary for presenting to your board or investors. Includes outcomes, ROI, and implementation timeline.
Includes:
- Proven outcomes (with case studies)
- ROI calculator and financial model
- Implementation roadmap
- Compliance and audit-readiness info
Download the Portfolio Risk Framework
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