We empower small and mid-tier Non-Banking Financial Companies (NBFCs) with the asset-liability management and regulatory compliance tools they need — without the cost and complexity of analytics they do not.
Asset liability software that provides complex derivative analytics both complicates the user-experience and increases prices for functionality not needed by NBFCs.
Tetra Analytics was built by Michael Aneiro, whose career spans both sides of interest-rate risk — the modeling and the management. He coded the pay-rules for CMO mortgage-backed securities derivatives as a hedge fund analyst, managed a bank's asset-liability book, ran an MBS-derivative portfolio and priced loans as an executive, built pricing and hedging tools at a mortgage pipeline software company, and modeled capital-markets risk at the US federal regulator for mortgage companies.
That combination is the reason the product is scoped the way it is: it includes precisely the analytics a small or mid-tier NBFC needs for its loan and debt portfolio, and deliberately leaves out the expensive derivatives and prepayment machinery those firms never use.
Robust interest-rate risk analytics have long been priced for large institutions, leaving smaller NBFCs to choose between costly enterprise systems and manual spreadsheets. Tetra Analytics is the middle option: only the analytics that are needed, at a price that matches the size of the firm.
Tetra Analytics is a US-based LLC serving NBFCs, and the model is designed around that: