Credit risk and portfolio monitoring

Agricultural portfolio risk from satellite and weather data

Independent and free of conflict of interest: we do not lend, insure or trade what we measure.

Portfolio dashboard with score distribution and borrower rows (illustrative sample)SCORE DISTRIBUTIONABCDEAVG SCORE, 10 QUARTERS61.4-4.2BORROWEREXPOSURESCOREBorrower A-104278Borrower A-091164Borrower B-223152Borrower C-018731
sample

What you get

Portfolio table

Every borrower and parcel, filterable by score, region and crop.

In practice: After a dry June, filter spring barley in one region and see the current scores and risk classes side by side.

Six-component score

Vegetation, SAR events, water and heat, yield variability, soil and topography, land use — each with raw value, weight and contribution.

In practice: The credit committee asks why a score moved — you show which component changed, its data source and how old the data is.

Exposure and scenarios

Concentration by region or municipality with a warning, and past droughts replayed on today’s portfolio.

In practice: Before the season you replay the 2018 drought on today’s book and see how many parcels and hectares it would hit in each region.

Quarterly reporting

PDF and Excel with the model version and the score change against the previous quarter.

In practice: At quarter end the committee gets a PDF with the portfolio summary on page one, the analyst an Excel file with every parcel and all six components.

Methodology

How a score is produced and reproduced.

Versioned model, never changed retroactively

Each score stores every component’s raw value and the model version; the same inputs always give the same score, so an auditor can recompute it.

Full audit log

All actions in the risk domain are logged, with data segregated from the farm platform.

Request access

Access to the RISK workbench is issued by Agrovisio. Send a sample of up to 200 parcels with your request and we return a scored portfolio report with the full component breakdown, under NDA, at no cost.

Please include portfolio size and the jurisdictions in scope.

We use your details only to reply to this enquiry.