How does bondIT help insurers manage credit risk?

bondIT helps insurers minimise credit risk and translate risk and return requirements into optimal portfolios that respect their specific constraints. Scorable adds an early-warning credit layer, forecasting rating transitions across more than 3,000 rated issuers so portfolio managers can act before agencies and the market reprice.

Can bondIT handle insurance regulatory constraints?

Yes. Insurers must balance risk and return while complying with complex regulatory constraints, and bondIT translates those requirements into configurable, bond-level portfolio constraints. Portfolios are built and rebalanced against them directly, so regulatory limits are part of the optimization rather than a manual check afterwards.

Which insurers use bondIT?

Ampega Asset Management, an early adopter of Scorable credit analytics, is responsible for the assets of Talanx, a major European insurance group whose brands include HDI and Hannover Re, with approximately EUR 160 billion under management. Scorable Rating Transition Signals complement Ampega's existing credit watchlist process.

How quickly can insurers rebalance portfolios with bondIT?

bondIT's technology lets clients build and rebalance portfolios swiftly and efficiently, allowing rapid adaptation to market changes. Rather than rebuilding allocations manually, insurers regenerate portfolios against updated objectives and constraints, which matters most when markets or regulations move faster than a manual process can respond.

What is credit rating transition forecasting?

Credit rating transition forecasting estimates the probability that an issuer will be upgraded or downgraded within a given window. Scorable produces these probabilities over a 12-month horizon across more than 3,000 rated corporate and financial issuers, with the drivers behind each score exposed for review.

Fixed Income Investing for Insurers

Insurers face unique challenges when it comes to investing, including the need to balance risk and return while complying with complex regulatory constraints. In today’s dynamic financial landscape, optimizing bond allocation and effectively managing credit risk are more important than ever.

bondIT helps insurers to minimise credit risk and translate risk and return requirements into optimal portfolios, considering specific constraints.

bondIT helps insurers minimize credit risk and turn risk and return requirements into optimal portfolios under specific constraints. Frontier builds and rebalances portfolios in minutes rather than days, solving regulatory limits, rating buckets, sector caps and duration targets inside the same optimization. When constraints cannot all be met at once, the solve-anyway function returns the closest feasible portfolio and shows which constraints were relaxed – an audit trail rather than a black box.

Our platform provides insurers with the tools needed to make informed investment decisions, enabling them to achieve their financial objectives while maintaining compliance with regulatory requirements. Whether it’s navigating market volatility or adjusting to new regulations, bondIT ensures that your investment strategy remains robust and resilient.

Match cash flows with custom bond ladders

Construct ladders with staggered maturities that deliver a defined cash flow schedule against expected liabilities. Maturity structure is solved together with yield, credit quality and regulatory constraints in a single optimization, rather than laddering first and checking constraints afterwards.

How does Scorable anticipate credit rating changes?

Scorable analyses 250+ variables daily across roughly 3,000 rated corporate and financial issuers, processing 350 GB of data per day, and forecasts rating transition probabilities over a 12-month horizon. It anticipated 90.2% of downgrades versus 79% indicated by rating agency outlooks, and 78.2% of upgrades versus 54.7%. Downgrade signals have correlated with roughly 35% CDS spread widening over the following year.

Explainable by design

Every Scorable score exposes its drivers, so portfolio managers and risk committees can see why a risk assessment moved. The Alerts Engine lets analysts define criteria — changes in downgrade or upgrade probability, relative value classification, external ratings — and receive daily updates. Scorable is deployed as an independent lens alongside internal credit models, not as a replacement.

bondIT is data-agnostic, API-first and SOC 2 certified, integrating with existing internal models, portfolio management and execution systems.

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Case Study

bondIT & Ampega

“Thanks to the signals that Scorable generates, changes in credit risk can be identified at an early stage. This enables our portfolio managers to derive recommendations for action and carry out timely portfolio reallocations”.

Stefan Kopf

Head of Fixed Income at Ampega Asset Management.

Ampega Asset Management has been a collaboration partner and early adopter of Scorable’s credit analytics. They were looking for a solution to help them better understand and anticipate credit risk, one of the major challenges in today’s fixed income world. Ampega is responsible for the assets held by Talanx, a major European insurance group whose brands include HDI and Hannover Re, and has currently €160 billion assets under management.

Scorable’s Rating Transition Signals complement Ampega’s credit watchlist process, helping the asset manager identify anomalies and the associated price fluctuations at individual issuer level ahead of the market.

Scorable’s Explainable-AI approach is of major importance to Ampega, because it creates transparency and enables the portfolio managers to easily track and understand the model information as well as the drivers behind changes in the risk score of individual issuers.

Another important feature is Scorable’s Alerts Engine, which allows the analysts to define relevant criteria, including changes in downgrade or upgrade probability, relative value classifications or external ratings, and receive daily updates on changes straight to their inbox.

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