IMPROVING CREDIT PORTFOLIO MANAGEMENT BASED ON DIGITAL TECHNOLOGIES

In the context of rapid digital transformation of the banking sector, credit portfolio management has become a critical component of financial stability and risk mitigation. This study examines modern approaches to improving credit portfolio management through the integration of digital technologies, including big data analytics, artificial intelligence, and automated risk assessment systems. The paper identifies key inefficiencies in traditional credit management practices and proposes a framework for enhancing credit risk evaluation, monitoring, and management of non-performing loans. The findings demonstrate that digitalization significantly improves decision-making accuracy, reduces credit risk, and enhances the overall quality of the credit portfolio.