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Enterprise-Grade API Integrations
Climate Risk, Financed Emissions & ESG APIs
Flexible. Modular. Secure.
Purpose-built APIs for financial institutions to integrate climate risk, financed emissions and ESG assessments into underwriting, monitoring and reporting workflows.
Trusted by Leading Companies across the Globe
StepChange is a preferred sustainability provider for financial institutions and enterprises.
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Climate Risk Intelligence
Assess loan/investment/asset-level physical and transition risks across different scenarios and time horizons. Incorporate results into existing financial worfklows via simplified screeners or more advanced decision matrices.
Assess risks at the asset location
Evaluate seven hazards using postal codes or coordinates across asset damage, business disruption and labour productivity channels.
Compare scenarios and time horizons
Receive scenario-specific Physical Risk Index, risk grade and value-at-risk metrics for each asset.
Identify adaptation & resilience options
Use hazard-channel materiality and inbuilt resilience taxonomies to model effective risk mitigation measures.
Model three transition channels
Assess direct carbon cost, indirect supply-chain cost and revenue shifts as policy and markets tighten.
Leverage standardized risk metrics
Receive NGFS-calibrated scenario-specific Transition Risk Indices, risk grades, a simplified value-at-risk metrics.
Drive informed decarbonization
Use sector, exposure, maturity and other analytics to prioritize decarbonization and target-setting measures within your portfolio.
Estimate stressed Loan-to-Value ratios
Leverage the underlying value-at-risk metrics to estimate stressed LTV ratios and screen vulnerbale loans.
Translate physical stress into credit metrics
Estimate stressed probability of default, loss given default and expected credit loss under the modeled physical-risk shock.
Leverage credit decision-matrices
Incorporate climate risk assessments into core credit risk screening via decision-matrices.
Estimate ranges around key metrics
Generate deterministic lower and upper bounds around value-at-risk, the Physical Risk Index and relevant stressed credit metrics.
Model independent and correlated cases
Uncertainty metrics include both conservative and best-case uncertainty estimates, showcasing the underlying uncertainty.
Avoid false precision
Use the uncertainty bounds to define screening allowances and classification thresholds.
Financed Emissions & ESG Intelligence
PCAF-aligned FE assessments and granular ESG scorecarding methods for loans and investment portfolios.
Compute loan-level financed emissions
Apply PCAF-aligned attribution approaches across supported loan and investment asset classes.
Use the best available borrower data
Combine data sources across company financials and reported emissions where available.
Estimate emissions by scope
Calculate financed emissions for each of the underlying scopes (1-3) for each counterpary.
Aggregate disclosed ESG metrics
Assimilate reported company metrics across a variety of sources and normalize to a common basis.
Estimate emissions by scope
Translate disclosed metrics into both peer-relative and peer-invariant ESG scores using company, sector, industry and reporting-year context.
Apply institution-defined weights
Estimate ESG ratings and scores using both default and user-defined metric weights and scoring configurations.
Compare counterparties with their peer set
Use sector and industry classifications to benchmark and compare material ESG metrics across relevant counterparties.
Preserve metric-level context
Readjust individual environmental, social and governance scores based on the core underlying metric data.
Set achievable targets
Set borrower-level performance goals that are indexed to real data for the entire sector instead of relying on an conceptual targets.
Improve data quality visibility
Transparently report using the best available data quality across financed-emissions and ESG results.
Drive emission factor transparency
Maintain emission-factors / translation factors provenance to support internal review and audit workflows.
Preserve asset-class and metric logic
Each API contract includes a transparent documentation of the underlying methods, preventing "black-box" usage and enabling interpretability.
Designed for Lending, Investment & Underwriting Workflows
Use standardized API outputs across appraisal, sanction, renewal and reporting processes while setting decision thresholds based on bespoke governance frameworks.
Screen climate risk during appraisal
Integrate climate risk APIs into loan or investment origination systems to assess risks during the diligence process.
Review decision-relevant drivers
Leverage risk grades, value-at-risk metrics and hazard materialities to drive risk mitigation decisions (e.g. insurance requirements).
Add Financed Emissions & ESG context
Calculate counterparty financed emissions and ESG metrics to generate a scorecard to pair with existing diligence information.
Engage with counterparties
Generate loan-level climate risk, FE and ESG reports that can be used to drive constructive engagement with the counterparty.
Support climate-finance tagging
Use standardized API outputs as inputs to drive institution-defined green, adaptation and transition-finance workflows.
Record residual-risk context
Retain the risk analysis alongside approved insurance, resilience measures and other relevant covenants to inform future modeling.
Update risk asessments
Update risk grades, indices and relevant financial-risk proxies at regular intervals across the lifecycle of the loan/investment.
Review collateral and resilience
Incorporate updated asset value, insurance or adaptation information on the underlyihng collateral as new data is reported.
Trigger risk management escalation
Flag material movement between risk bands (as a result of an update in counterparty data) for additional review.
Aggregate portfolio analytics
Roll counterparty-level results into sector, asset-class and geographic heatmaps for portfolio reporting.
Report using updated inventories
Leverage the most updated emission factors, ESG data and climate risk models for each reporting cycle.
Drive well-governed disclosures
Pass standardized API outputs directly into reporting and disclosure workflows.
Purpose-Built API Engines
A modular set of API offerings across climate risk, portfolio emissions, ESG intelligence. Designed specifically for workflow integration.
Climate Risk
Physical risk index
Transition risk index
Risk grades
Scenario analysis
Value-at-risk metrics
Stressed asset value
Hazard materiality
Channel materiality
Adaptation impacts
Credit stress metrics
Financed Emissions & ESG
PCAF attribution
Scope 1 emissions
Scope 2 emissions
Scope 3 emissions
Data Quality Support
Updated EFs
50+ metrics
Peer benchmarking
Transparent scoring
Custom weights
Workflow Integration
Request validation
Sector-code mapping
Asset-type mapping
Batch assessments
LOS integration
LMS integration
Annual refresh
Metric normalization
Audit fields
Reporting outputs
Enterprise-Grade Technology Stack
API Gateway Integration
Connect standardized services through existing enterprise gateways and agreed data-sharing controls.
Data Engineering
Validate, map and process loan, asset, company and location inputs at the required assessment grain.
Advanced Analytics
Evaluate risk across hazards, scenarios, time horizons and financial transmission channels.
Data Registry Integration
Use available company, emissions, financial and benchmark data to strengthen assessment coverage.
Workflow Integration
Bring selected outputs into underwriting, monitoring, portfolio analysis and reporting processes.
Business Intelligence
Aggregate loan-level outputs into sector, geography, asset-class and portfolio views.
Validation & Controls
Use consistent output fields, data-quality indicators and methodological controls to support review.
Unified Cloud Infrastructure
Support modular deployments and scalable processing within the agreed enterprise architecture.
Domain Expertise
Pair API integration with climate-risk, financed-emissions, ESG and credit-workflow expertise.
Compliance with Global Standards
Aligned with PCAF, GRI, TCFD, ISSB, IFRS and related sustainability and climate-risk frameworks.
Highest Information Security Certifications
Enterprise-grade security with the compliance certifications and privacy protections presented on the StepChange Platform page.
Seamless Integration across Enterprise Systems
Connect API outputs with lending, data, reporting and analytics systems through an institution's chosen integration architecture.
Ready to integrate sustainability? Let's talk.
Tell us which portfolio, asset class and workflow you want to support. We will help identify the right API scope and integration pathway.
