The vision for credit analysis in 2026

At ONCI, we’ve spent the past year in deep partnership with forward-thinking banks — refining what modern credit analysis should look like. The result is a refreshed platform, a sharper vision, and a new set of capabilities designed to elevate how credit teams operate.

We’re not reacting to risk. We’re anticipating it. Prioritizing action. And turning credit into a true strategic advantage.

‍“We built ONCI because we saw firsthand how much time so many banks waste on backward-looking credit reviews — treating every borrower the same, reacting too late, and missing the signals that really matter. We created ONCI to flip that model: giving credit teams forward-looking intelligence that shows where risk is headed, not just where it’s been. It’s about freeing teams to focus on the right borrowers at the right time, and giving executives the confidence to act strategically and proactively, instead of reactively."
Rishi Khosla, Co-Founder & Board Member of ONCI

Credit maturity: why it matters now

Too many banks are stuck in reactive workflows. Annual reviews. Spreadsheets. Static snapshots. It’s time for that to change.

We define credit maturity as a five-stage journey — from backward-looking reporting to integrated, strategic credit intelligence:

1. Manual and historical – Ratio checks and Excel workbooks
2. Structured reviews – Segmentation and templated reviews
3. Portfolio monitoring – Early warning indicators and triggered alerts
4. Forward-looking intelligence – Forecasts and scenarios driving decisions
5. Integrated risk and strategy – One platform powering credit, risk, planning, and compliance

Banks at the top of this curve don’t just “analyze credit.” They use credit intelligence to steer strategy — reallocating capital, catching problems early, and aligning regulatory, credit, and growth priorities.

ONCI is helping institutions climb that curve — faster.
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What’s in the ONCI software: built for the future of credit

Our vision is simple: credit data should be a source of forward-looking insight, not administrative burden.

To bring that vision to life, we’re launching an improved set of capabilities in one highly configurable platform:

Forward-looking intelligence
Forecast borrower health — including DSCR, EBITDA, and margin — using industry and macro trends. Get a real sense of where borrowers are heading, not just where they’ve been.

“Always On” monitoring
Trigger alerts based on actuals, forecasts, or peer deviations. Configure your own thresholds — like a 15% revenue drop or liquidity warning — and focus on what matters.

Loan review prioritization
Stop reviewing everyone the same way. ONCI triages your pipeline so you can streamline safe credits and zero in on emerging risks — cutting review time without cutting corners.

Configurable forecast models
Use ONCI’s prebuilt scenarios — or build your own — to run base, stress, and sector-specific projections. Integrate with your policy and align frontline and risk teams with a single source of truth.

Actionable credit metrics
Move from raw data to insights — quickly. ONCI standardizes borrower metrics across your book, letting you drill into sectors, geographies, and risk tiers with confidence.

Data extensibility
Bring in the data you need — borrower financials, macro signals, internal credit grades — and manage it flexibly. ONCI ingests, transforms, and exports insights aligned to your systems.

Why this matters

Credit isn’t just a compliance exercise. It’s a strategic function — and too many banks are operating with blind spots, bottlenecks, and legacy tools.

ONCI changes that.

We give credit teams forward-looking control of their portfolios — with the ability to act early, prioritize smartly, and explain every decision with confidence.

Whether you’re scaling fast, tackling complexity, or navigating regulatory pressure, ONCI helps you move from credit monitoring to credit mastery.

2026 isn’t just another year. It’s a turning point.

Let’s get to work.