Estimator 9 is an IFRS 9 Expected Credit Loss (ECL) automation platform developed by FineIT Private Limited, designed to deliver audit-ready credit risk calculations for financial institutions worldwide. It enables end-to-end ECL computation using PD, LGD, EAD, and discounting factors within a fully automated, model-driven framework. The platform supports three-stage classification with SICR detection, macroeconomic scenario modeling, and forward-looking adjustments to ensure compliance with IFRS 9 standards. Deployed across 56+ institutions in 40+ countries, Estimator 9 offers scalable integration with core banking systems, general ledgers, and risk platforms. It provides automated disclosures, stress testing, and validation tools aligned with GPPC guidelines. With Big 4 audit approvals and strong regulatory validation, it ensures reliable, transparent, and efficient ECL reporting for banks, helping accelerate calculations, reduce manual effort, and maintain consistent compliance across global financial reporting requirements.