Estimator 9IFRS 9by FineIT · part of the ContractHive platform

Expected credit loss automation that stands up to the regulator.

Estimator 9 is an IFRS 9 expected credit loss platform built for lenders, insurers and lessors. It handles three-stage SICR allocation, term-structure PD/LGD/EAD modelling, macro-economic scenarios with probability weighting, and GPPC-aligned disclosures — developed by FineIT, technology partner to ContractHive.

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  • Big-4 audit-ready
  • GPPC-aligned
  • Multi-portfolio
  • Validation framework built-in

Core ECL formula

ECL = DF(ti) × PD(ti) × LGD(ti) × EAD(ti)

  • DF
    Discount factor at effective interest rate
  • PD
    Point-in-time probability of default
  • LGD
    Loss given default severity
  • EAD
    Exposure at default

Capabilities

Eight quantitative pillars under one engine

Estimator 9 covers the full IFRS 9 model lifecycle — from staging and parameter estimation to overlays, disclosures and validation. No black boxes, no spreadsheets sitting outside the run.

  • Three-Stage SICR Allocation

    Significant increase in credit risk thresholds, stage transitions, and reclassification logic — fully configurable, fully auditable. Stage migration reports generated automatically each run.

  • Term-Structure PD

    Point-in-time and through-the-cycle PD curves derived from transition matrices and macroeconomic conditioning. Behavioural and survival approaches supported for retail portfolios.

  • LGD Modelling

    Workout LGD with collateral haircuts, recovery curves and downturn adjustments. Supports secured and unsecured portfolios, including reinsurance and investment-grade securities.

  • EAD Modelling

    Credit conversion factors for undrawn commitments, exposure profiles for revolving facilities, and behaviouralised drawdown for retail products. CCF calibration on internal data.

  • Macro-Economic Scenarios

    Multi-scenario forward-looking inputs (baseline, upside, downside) with probability weighting. Built-in linkages from macro variables to PD/LGD shifts.

  • Overlays & Management Adjustments

    Post-model adjustments and overlays with full documentation, sign-off and audit trail. No more spreadsheets sitting outside the engine — every adjustment is part of the run.

  • GPPC-Aligned Disclosures

    Auditor-ready reporting packs aligned to Global Public Policy Committee (GPPC) and Big-4 challenge frameworks. Movement, sensitivity and bridging tables generated each close.

  • Backtesting & Validation

    Built-in validation framework with backtesting, benchmarking and challenge reports — so internal validation, audit and the regulator all see the same evidence.

How it works

From data feed to auditor sign-off

  1. 01

    Connect data

    Loan book, collateral, macro feeds and historical defaults. Direct ETL or batch upload — your data stays in your perimeter.

  2. 02

    Configure models

    Portfolio segments, model parameters, macro scenarios and overlays. Tuned with your validation team, not pushed top-down.

  3. 03

    Run ECL

    Full lineage from input record to final ECL number. Reproducible, parallelised, ready to re-run on demand.

  4. 04

    Review with auditor

    GPPC-aligned packs, challenge tables, and sign-off workflows — built for the conversation with your audit partner.

Built for

Risk and finance teams who own the ECL number

Estimator 9 is designed for the people who actually have to defend ECL with the auditor — credit risk managers, ALM teams, CROs, and group finance leads.

Banking & LendingInsurance & TakafulDiversified Holdings
See all industries

Real customers running Estimator 9

  • Watania Takaful logo
    Watania Takaful
    UAE — Insurance
  • Reem Finance logo
    Reem Finance
    UAE — Lending
  • Vision Investments logo
    Vision Investments
    Global — Diversified

Outcomes

ECL that survives the audit conversation

Big-4
Audit-acceptable

outputs designed against GPPC and Big-4 challenge frameworks

14 days
Typical deployment

from data connection to production-ready ECL

100%
Lineage traceability

every ECL number traces back to its input record

Built by FineITTechnology partner

Deep IFRS 9 expertise, on the ContractHive platform

Estimator 9 is developed by FineIT, a technology partner to ContractHive specialising in credit risk modelling and IFRS 9 implementation. FineIT brings years of hands-on ECL deployment experience across banks, insurers and takaful operators — and that expertise is now available to every ContractHive customer through one login, one audit trail, and one support team.

About ContractHiveTalk to the Estimator 9 team

Run Estimator 9 against your portfolio.

Book a 30-minute walkthrough with one of our IFRS 9 specialists. We'll show you the model framework, the validation pack, and the GPPC-aligned disclosure outputs — against a portfolio that looks like yours.

Book a demoContact the team

Big-4 audit-ready · GPPC-aligned · Multi-portfolio