Current - Issue
Original Article
Enhancing Collateral Monitoring and Credit Line Management A System Development Life Cycle Case Study in Private Banking
Srikanth Mannem1
1 Senior Manager, Virtusa Corporations, USA.
Published Online: May-August 2026
Pages: 581-586
Cite this article
↗ https://www.doi.org/10.59256/indjcst.20260502065
References
1. Machado, M. R., Chen, D. T., & Osterrieder, J. R. (2025), “An analytical approach to credit risk assessment using machine learning models”, Decision Analytics Journal, 16, 100605, https://doi.org/10.1016/j.dajour.2025.100605.
2. Zhang, Y. (2011), “Rule base LTV and correction function for concentration risk”, University of Manchester Research Explorer, https://pure.manchester.ac.uk/ws/portalfiles/portal/54510123/FULL_TEXT.PDF.
3. Putta, A., Paasivaara, M., & Lassenius, C. (2024). SAFe transformation in a large financial corporation. Empirical Software Engineering, *29*(1).
4. Mattern, J., & Meyer, C. (2025), “Beyond interbank: Identifying critical participants in integrated RTGS systems using payment type and temporal dynamics”, https://www.snb.ch/fr/publications/research/working-papers/ 2025/working_paper_2025_14.
5. Satyanarayana Purella, 19 July 2025, “Microservices and event-driven architectures in high-volume financial systems. Zenodo”, https://zenodo.org/records/16150784/files/SJECS-237-2025-851-860.pdf?download=1.
6. Wei, Y. (2025), “Review on the innovation of investment banks' credit risk assessment system in a highly volatile market”, SHS Web of Conferences, *218*, 02006, https://doi.org/10.1051/shsconf/202521802006.
7. Residential Funding Corporation. (2008), “Simulation technique for generation of AVM and collateral risk indicator rule set (U.S. Patent Application No. 11/484262)”, U.S. Patent and Trademark Office, https://www.freepatentsonline.com/y2008/0015876.html.
8. Ana Ciobotaru, 2024, July 21, “From monolith to agility: A team topologies journey in a leading financial institution”, https://teamtopologies.com/news-blogs-newsletters/2024/7/21/from-monolith-to-agility?trk=article-ssr-frontend-pulse_little-text-block.
9. Brekelov, V. V., Borisov, E. A., & Barygin, I. A. (2015), “Integration testing automation: Case study of financial data exchange modules based on FIX-protocol”, St. Petersburg Polytechnical University Journal, Computer Science. Telecommunication and Control Systems, Issue 1(212), 88–96, https://doi.org/10.5862/JCSTCS.212.8.
10. Zhao, X., Yang, Y., Yang, J., & Chen, J. (2025), “Real-time payment processing architectures: Event-driven systems and latency optimization at scale”, Journal of Banking and Financial Dynamics, vol. 9, issue 12, 10–21, https://ecsenet.com/index.php/2576-6821/article/view/797/319.
11. Kim, G., Humble, J., Debois, P., & Willis, J. (2016), “The DevOps Handbook: How to Create World-Class Agility, Reliability, and Security in Technology Organizations”, IT Revolution Press, http://images.itrevolution.com/ documents/DevOps_Handbook_Intro_Part1_Part2.pdf.
2. Zhang, Y. (2011), “Rule base LTV and correction function for concentration risk”, University of Manchester Research Explorer, https://pure.manchester.ac.uk/ws/portalfiles/portal/54510123/FULL_TEXT.PDF.
3. Putta, A., Paasivaara, M., & Lassenius, C. (2024). SAFe transformation in a large financial corporation. Empirical Software Engineering, *29*(1).
4. Mattern, J., & Meyer, C. (2025), “Beyond interbank: Identifying critical participants in integrated RTGS systems using payment type and temporal dynamics”, https://www.snb.ch/fr/publications/research/working-papers/ 2025/working_paper_2025_14.
5. Satyanarayana Purella, 19 July 2025, “Microservices and event-driven architectures in high-volume financial systems. Zenodo”, https://zenodo.org/records/16150784/files/SJECS-237-2025-851-860.pdf?download=1.
6. Wei, Y. (2025), “Review on the innovation of investment banks' credit risk assessment system in a highly volatile market”, SHS Web of Conferences, *218*, 02006, https://doi.org/10.1051/shsconf/202521802006.
7. Residential Funding Corporation. (2008), “Simulation technique for generation of AVM and collateral risk indicator rule set (U.S. Patent Application No. 11/484262)”, U.S. Patent and Trademark Office, https://www.freepatentsonline.com/y2008/0015876.html.
8. Ana Ciobotaru, 2024, July 21, “From monolith to agility: A team topologies journey in a leading financial institution”, https://teamtopologies.com/news-blogs-newsletters/2024/7/21/from-monolith-to-agility?trk=article-ssr-frontend-pulse_little-text-block.
9. Brekelov, V. V., Borisov, E. A., & Barygin, I. A. (2015), “Integration testing automation: Case study of financial data exchange modules based on FIX-protocol”, St. Petersburg Polytechnical University Journal, Computer Science. Telecommunication and Control Systems, Issue 1(212), 88–96, https://doi.org/10.5862/JCSTCS.212.8.
10. Zhao, X., Yang, Y., Yang, J., & Chen, J. (2025), “Real-time payment processing architectures: Event-driven systems and latency optimization at scale”, Journal of Banking and Financial Dynamics, vol. 9, issue 12, 10–21, https://ecsenet.com/index.php/2576-6821/article/view/797/319.
11. Kim, G., Humble, J., Debois, P., & Willis, J. (2016), “The DevOps Handbook: How to Create World-Class Agility, Reliability, and Security in Technology Organizations”, IT Revolution Press, http://images.itrevolution.com/ documents/DevOps_Handbook_Intro_Part1_Part2.pdf.
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