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ifrs 9 ecl pd ifrs9 impairment modelling basel irrbb interest rate risk cecl bcbs 350 pit pd pd term structure ttc pd lgd ead cash shortfall csrbb credit forward looking macroeconomic prepayment lifetime pd expected cash shortfall rating model pd calubration bcbs implementation plan target operating model maturity model loss rate vintage analysis stage assessment it architecture impairment modeling credit spread ftp alm liquidity risk behavior analysis cash flow risk apache nosql mongodb apache spark spark impairment solution hadoop eir effective interest rate model governance validation sr 11-7 model risk management monitoring mrm irb scorecard pool retail leq expected credit loss maturity exposure at default undrawn exposure ias 39