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Risk-based Classification of the Customer base

Organizations conduct their business with a wide range of customers. They sell their products & services to a diverse customer base of varying credit worthiness profiles. The ability to assess the credit risk associated with each of their customers is important in order to formulate appropriate strategies with regards to business exposure and receivables management. Firms with well-rounded risk assessment frameworks are able to tailor their business decisions keeping in mind the underlying risk profiles of their customer base.
An integrated easy-to-use customer risk scoring solution allows organizations to develop robust risk management systems to govern strategic business decisions in the areas of sales strategies, credit policies, receivables management, doubtful debt reserving, collection strategies, etc. Such a customer credit worthiness scoring solution is modelled on a principle similar to that deployed by credit rating agencies, and is easily extendable to include prior receivables payment behaviour witnessed in-house.
The risk-based customer classification solution integrates seamlessly with a working-capital management solution, enabling business end-users to take credit-period adjustment decisions driven by customers' risk scores.



Key Features

  • Discover the credit worthiness of customers based on customers' financial profile
  • Extend the risk-score model to include the effect of customers' payment track record w.r.t. receivables
  • Monitor revenues & outstanding receivables for the various risk-score bands
  • Segment the customer base based on credit worthiness levels
  • Examine the appropriateness of credit periods provided vis-à-vis customers' risk scores

Business Benefits

  • Visually-appealing customer segmentation engine easily usable by a wide range of business end-users
  • Real-time tracking of the risk distribution of business exposure by customer risk profile
  • Business rules engine to map credit policy decisions to customers' underlying credit worthiness
  • Integrated solution to facilitate working-capital management through risk-based dynamic adjustment of credit periods
  • Easy-to-use handle to guide procedures for receivables management, customer follow-ups, doubtful debt reserving, and collection strategies

Analytics Backbone

  • Corporate Finance Analytics
  • Credit Risk Analytics
  • Predictive Analytics
  • Regression Analysis
  • Visual Analytics
  • Exploratory Analysis

Technology Variants

  • Tableau
  • Qlik View
  • SAS Visual Analytics
  • SAP Lumira
  • Oracle
  • R

The solution is technology-agnostic, and available over a range of technology platforms. Choice of the best-suited platform for specific installations is governed by the existing ERP product being used by the client, in order to provide a cost-effective solution and to ensure seamless connectivity & integration. Open-source adaptations of the solution are also available to reduce the total cost of ownership for the client.

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