See the climate risk hiding in your loan book, and act on it.
Measure, manage and reduce the climate risk on your portfolio and your clients. Sign up for free to see where climate risk sits across your branches in minutes. No consultant, no six-month project.
Portfolio exposure 6.2 out of 10, medium risk, across 18 branches.
- Bogota: 7.4 out of 10, high risk, dominant hazard urban flood.
- Medellin: 8.1 out of 10, high risk, dominant hazard landslide.
- Barranquilla: 8.4 out of 10, high risk, dominant hazard flood.
- Cali: 6.3 out of 10, medium risk, dominant hazard flood.
- Bucaramanga: 6.8 out of 10, medium risk, dominant hazard landslide.
- Cartagena: 6.6 out of 10, medium risk, dominant hazard coastal flood.
- Pereira: 5.9 out of 10, medium risk, dominant hazard landslide.
- Cucuta: 5.4 out of 10, medium risk, dominant hazard extreme heat.
- Neiva: 4.6 out of 10, low risk, dominant hazard extreme heat.
- Ibague: 4.1 out of 10, low risk, dominant hazard landslide.
- Villavicencio: 4.8 out of 10, low risk, dominant hazard flood.
- Pasto: 3.7 out of 10, low risk, dominant hazard landslide.
- Monteria: 4.4 out of 10, low risk, dominant hazard flood.
- Valledupar: 4.2 out of 10, low risk, dominant hazard drought.
- Manizales: 3.9 out of 10, low risk, dominant hazard landslide.
- Santa Marta: 4.5 out of 10, low risk, dominant hazard coastal flood.
- Popayan: 3.4 out of 10, low risk, dominant hazard landslide.
- Tunja: 3.1 out of 10, low risk, dominant hazard drought.
Start now
From a branch list to a board-ready plan in one afternoon.
Diagnose your climate exposure.
Start with the history. Atram scores every branch against at least seven climate hazards, like flood, drought and extreme rainfall, then overlays your loan portfolio to show how past weather events have already affected you, and where you are most exposed.
Monitor your portfolio with real-time warnings.
Atram watches the forecast for you. When a flood or drought builds over your branches, you see it early, with climate-adjusted analysis of your borrowers and portfolio, before the event reaches your book.
Protect your credit portfolio and your clients against the rain.
When a flood or drought is closing in, act from one place. Reach the borrowers carrying the most risk with early warnings, preparation guidance and financial products, sent via their preferred channel (SMS, WhatsApp, Telegram, a web app you can brand, or the loan officer they already trust). You pick the intervention. Borrowers who prepare repay through the shock instead of defaulting after it.
Grow loyalty and revenue.
Protection compounds. Borrowers who prepare recover faster, repay better, and stay with the institution that stood by them, turning your cost of risk into retention and revenue.
Measure, manage and report.
Close the loop with a board-ready, editable exposure and preparedness report that answers your board and the local regulator, so you can finally report a risk you can see. And if you are ready to go further, Atram can help you build a resilience strategy for your institution.
See where climate risk sits on your book.
Start free, run your own branch map, and see what a weather event would do to your portfolio. It takes minutes.
Map my exposure freeRead the thinking and current evidence behind our solution in our Methodology paper.
Don’t know where to start?
We built a quick tool to teach you how to manage climate risk in your financial institution. Try it out for free.
Start with Atram’s LabWho is Atram
Atram is a climate risk intelligence platform for financial service providers. We help lenders measure, manage and reduce extreme-weather risk in their portfolios, and meet growing regulatory expectations on climate disclosure. We also equip their borrowers with white-labelled early-warning alerts and preparation tools: clients who prepare lose less, and their loans keep performing, so the lender's risk falls with them.