Financial rating · Datamensio Rating
From the first document to the published rating, on your methodology.
Datamensio digitalises the rating process for credit rating agencies and ESG rating agencies: document collection, analysis, review, rating committee, observations from the rated entity, publication and surveillance. Your methodology stays yours.
Digitalised methodology · Governance workflow guaranteed · White label
Request a demoGIC Rating S.A., the first credit rating agency licensed by COSUMAF in the CEMAC zone, chose Datamensio as its technology partner.
Read the announcement →What slows down a rating today
Collection happens by email, document by document
Follow ups are manual and no one can see at a glance what is missing.
The score is calculated in spreadsheets
Adjustments, notching and conversion to letter grades are manual, and therefore fragile.
The report is written by hand
Each section is redone from spreadsheets, for every mandate.
The committee waits for documents to be sent to it
Members have no direct access to the file within their remit.
Nothing proves the process was followed
Not to management, not to the regulator.
A published rating is hard to track over time
Each surveillance cycle starts almost from scratch.
The rule is built into the tool
No one validates their own work, and no rating leaves the agency without a committee decision and approval from the managing director. The workflow is not a paper procedure: the platform guarantees it.
What you gain
Speed
Collection in one place, automatic calculation, pre-drafted report, guided workflow with no re-keying.
Assurance
Every rating justified point by point, file locked on submission, vintage fixed at publication.
Automation
Follow ups on schedule, automatic overdue status, document completeness checks, observation window tracked.
Ownership
You digitalise your method and retain full ownership of it. Datamensio provides the tools and support, not the method.
The rating process, step by step
Configure
Methodology editor: themes, indicators, ranges, weightings, versioned letter grade scale. Credit rating and ESG rating methodologies.
The agency digitalises its method without depending on a vendor.
Launch the mandate
Choice of methodology, team and focal point at the rated entity, submission schedule. The methodology is locked in for the mandate.
Every file starts from the same framework, and the framework does not change midway.
Collect
Data room: list of documents per methodology, submission by the focal point, documents linked to the indicators they support, acceptance or reasoned rejection, time stamped versions, follow ups.
Complete collection, with no email, and proof of what was received.
Analyse and rate
Each indicator entered by the theme analyst, score out of 100, adjustments with floors and caps, notching, conversion to letter grades.
A rating calculated and justified value by value.
Review
Review by the team leader then the head of ratings, comments per indicator, direct return to the analyst.
A quick, traceable review.
Decide
Entry onto the committee agenda, member access to files, internal questions, decision recorded, approval by the managing director.
The governance workflow is guaranteed by the tool.
Transmit
Preliminary report, 7 day window for observations from the rated entity, agency response, final report.
A formal, dated exchange, with no dispute over timing.
Publish
Report generated from the calculated sections and an AI assisted draft, Word and PDF export, vintage fixed.
A consistent report and an untouchable reference version.
Monitor
Half yearly or event driven cycles, linked to the previous cycle, vintage comparison, post rating risk analysis.
The rating lives on over time without starting from scratch.
Across the whole process
- White label: the rated entity sees your agency, not Datamensio
- Two factor authentication and role based, methodology based access rights
- Exportable audit log: who viewed, submitted, approved, downloaded
- Dedicated database per agency, hosted in Europe
- External expert role
- Interface in English and French
For every party in the rating process
- Managing director of the agency
- A process that stands up to regulator and client scrutiny, an agency that scales, a protected methodology.
- Head of ratings
- Oversee every mandate, allocate teams, defend reports before the committee.
- Team leaders and analysts
- Collect without chasing emails, rate without spreadsheets, justify every value.
- Committee members
- Read the files and raise questions without waiting for a document to be sent.
- Focal point at the rated entity
- Know exactly which documents to provide, and where to submit them.
Use cases
Credit rating agency
Sovereigns, local authorities, banks, insurers, microfinance, infrastructure, debt issuances, each with its own methodology.
ESG rating agency
ESG or sustainability ratings, on the agency's own method.
Agency going through licensing
Show the regulator a tooled, traceable process from day one.
Portfolio surveillance
Track rated entities across cycles and compare vintages.
Frequently asked questions
Our methodology is our asset. Do we have to hand it over to you?
No. You digitalise it within your own instance and retain full ownership of it. Datamensio does not provide a rating method.
Our regulator wants to know where the data sits and who can access it.
Each agency has its own dedicated database, hosted in Europe. Every access is logged, rights are defined by role and by methodology, and your data remains exportable.
Does the AI rate in place of our analysts?
No. The score comes from your analysts' input and the rules of your own method. The AI helps with document checks and the report draft.
Our rated entities will not want another tool.
The focal point only sees a list of documents to submit, in a space branded to your agency.
We already have a document management tool.
The data room is only one step: the value lies in the full workflow, from the first document submitted to the published rating.
How does the rollout work?
The Datamensio team configures your methodologies with you.
Your method, your committee, your brand.
Show us one of your methodologies: we will show you a full mandate, from collection to publication.