Implementación de un sistema de gestión de riesgos crediticios para organizaciones

Abstract

This document presents a technological proposal for a credit risk management system aimed at organizations that handle financing operations and require tools for monitoring, analysis, and strategic decision-making. The system is designed to process financial and operational data uploaded by each organization, allowing for real-time risk visualization, identification of delinquency patterns, and generation of compliance reports. The proposed architecture incorporates open-source technologies and combines relational and non-relational databases to support large volumes of credit information efficiently. The solution is cloud-based and scalable, ensuring high availability and regulatory compliance with Colombian standards such as Law 1581 of 2012 regarding data protection and audit requirements established by supervisory authorities such as the Superintendencia Financiera de Colombia.