Crisil Integral IQ is part of Crisil, a global insights-driven analytics firm and a company of S&P Global — founded in India in 1987 as the country's first credit rating agency, and today a bedrock of trust across global markets. Formerly known as Crisil Global Research & Risk Solutions, Integral IQ was built to deliver solutions and actionable intelligence to the world's most prestigious financial institutions. We serve 15 of the top 20 investment banks globally, partner with 35 of the top 50 commercial banks, and work alongside 100+ global asset managers. Headquartered in India with a global workforce operating across the Americas, Asia-Pacific, Europe, Australia and the Middle East, we combine unparalleled institutional experience with future-ready expertise — including AI and data science — to help clients accelerate growth and achieve sustainable competitive advantage. When data moves through us, it comes with an impact that multiplies client success.

We are a team of specialists — credit analysts, quantitative experts, sustainability professionals, data scientists, and financial market practitioners — united by a singular commitment to analytical rigour and domain depth. Our talent pool is among the most sophisticated in the industry: 90% of our quantitative team hold postgraduate or PhD degrees in finance, economics and STEM. Our credit risk experts execute over 10,000 credit memos annually, and our 100+ sustainability analysts provide multilingual coverage from delivery centres across the globe. We are domain-led and insight-driven — not generalists, but deeply experienced practitioners who understand the unique pressures, regulations, and ambitions of each client segment we serve. From global investment banks and commercial lenders to private equity managers, hedge funds, wealth managers and corporate advisory firms, we are the partner that world-class financial institutions call on when the stakes are highest.

Crisil Integral IQ delivers a comprehensive and integrated suite of services across the financial institution value chain. Our Credit Risk Services bring bespoke credit underwriting, portfolio monitoring, loan review, ESG integration, and credit transformation capabilities spanning all three lines of defense. Our Quantitative Solutions cover the full model risk management lifecycle — stress-testing, regulatory solutions including FRTB, Basel 3.1 and CCAR, and advanced machine learning methodologies. In Financial Markets, we support banks' trade lifecycle operations, structured products, trading risk, finance, and regulatory reporting through more than two decades of change-the-bank and run-the-bank expertise. Through Investment & Wealth Management Solutions, we partner with asset managers, private market firms, alternative investment firms and private banks to drive agility, enhance operational alpha, and increase returns on investment. Our Lending Operations practice transforms front-to-back lending processes, while Corporate & Professional Services delivers strategic advisory and intelligence. Our Data Analytics & AI practice deploys bespoke automation, GenAI-powered tools, and proprietary platforms — including Credit+EWS, Covenant Guard, and GenEye Credit — to bring breakthrough efficiency across workflows. Sustainability services round out our offering, seamlessly integrating ESG into core strategies across the investment and lending value chain.

Our purpose is to make markets function better. It is not a tagline — it is the reason we exist. Every day, we deliver insights of the highest standard to help clients make mission-critical decisions with confidence. Our vision is to be the global analytics firm that leaders seek for insights at critical moments, and our mission is to earn that trust through work that is rigorous, transparent, and consequential. This purpose extends beyond our clients to the broader world: we are committed to empowering millions of people to build a purposeful future, through both the integrity of our analytics and the impact of our social initiatives.

Four values shape everything we do at Crisil Integral IQ. Integrity means we do what is right — always. Excellence means we deliver outstanding work, setting the standard by which our industry is measured. Partnership means we form new connections for impact, treating every client engagement as a long-term relationship built on trust. And Discovery means we seek new sources of value, constantly evolving our capabilities to meet a rapidly changing world. These are not aspirational statements — they are the principles that guide our analysts, our leaders, and our decisions every single day.

When the decisions are most consequential, financial institutions choose Crisil Integral IQ — and the reasons are consistent. We bring more than two decades of domain-led experience across credit, quantitative, financial markets, investment management and sustainability, combined with a talent pool that is among the deepest in the industry. We offer bespoke, research-intensive solutions with high transparency and auditability, so our clients always understand the insight behind the output. Our proprietary accelerators — GenAI tools, automation platforms, and advanced analytics frameworks — dramatically reduce processing time and total cost of ownership while increasing analytical quality. Our scale allows rapid ramp-up and operating leverage without compromising on expertise. And as part of Crisil, an S&P Global company, we bring institutional credibility and a legacy of trust that no challenger can replicate. From the boardroom to the trading floor, we are the partner that multiplies success.

Sustainability is no longer just about managing risk — it is a fundamental shift towards value creation and reshaping the business landscape. At Crisil Integral IQ, we empower financial institutions and asset managers to not only navigate this complex evolution, but to thrive within it. Our team of 100+ sustainability analysts across global delivery centres provides bespoke research-intensive support to a client base spanning 20+ asset managers, banks and corporations, with expertise across 10+ sustainability data sources. Our Sustainability Integration practice covers screening, enhanced due diligence, targeted engagement, ongoing monitoring and reporting, and regulatory transition considerations. Our Sustainable Finance Services support banks and corporations through the full sustainable finance lifecycle — from building green and social frameworks to issuance and reporting. Our Climate Risk offering helps financial institutions assess transition plans, evaluate net-zero readiness, and manage climate-related risks and opportunities across portfolios. Partner with us to manage sustainability risks, seize emerging opportunities, and build a more resilient and impactful future.

Through the Crisil Foundation — Crisil's dedicated CSR arm — we translate our commitment to making markets function better into direct, lasting impact in communities. The Foundation's Mein Pragati programme empowers socially and economically challenged sections of society to make informed financial decisions, with a grassroots-led approach that has reached rural communities across states such as Assam and Rajasthan. Crisil RE focuses on environment conservation, financial literacy and inclusive education in urban settings. The Foundation has won the prestigious National Corporate Social Responsibility Award for financial capability building and environment conservation, as well as the CSR Foundation of the Year award at the 9th CSR Impact Awards. Our employees are active participants in this mission, contributing to a culture where purposeful work — inside and outside the firm — defines what it means to be part of the Crisil family.

At Crisil Integral IQ, equality is not a programme — it is part of how we work. We are building a workplace where every individual thrives, and where diverse perspectives are the foundation of our best thinking. Our commitment to diversity, equity and inclusion has been recognized externally: Crisil was named among the Best Companies for Women in India in 2024 and earned the Excellence in Action award for Employee Engagement in 2025. Internally, our DEI journey is driven by leaders and employees alike — from CEO Awards for building diverse and equitable teams to company-wide programmes focused on caring, coaching and challenging people at every career stage. Our employees' health and well-being is our priority, underpinned by an employees-first approach that ensures our people are equipped, supported and empowered to do the most consequential work of their careers.