Case Study · Finance
Credit risks steered across the entire customer lifecycle
A company with a high volume of receivables combines creditworthiness analysis, credit limits and early warning into a continuous risk process.
- Industry
- Technology trading
- Client
- Company with a high volume of receivables
The situation
External creditworthiness data, internal payment experience and supplier risks were not joined up throughout into consistent credit decisions. Manual checks created effort; changes in the risk profile could be recognised too late.
Our approach
We developed credit policies, risk classes and individual limits. External credit-information data, internal payment information and industry benchmarks feed into scoring, monitoring and early-warning indicators. Credit insurance, dunning and factoring were connected; specialists decide on limits and countermeasures.
The result
Well-founded decisions
Uniform data and rules improve credit assessment.
Early response
Anomalies trigger proactive safeguarding measures.
More predictable liquidity
Dynamic limits and lower default risks stabilise cash flow.
How we implemented the case
- 01
Analyse the portfolio
Assess customers, suppliers and existing credit processes.
- 02
Define the policies
Set scoring, risk classes, limits and roles.
- 03
Introduce monitoring
Bring the data together and automate early-warning indicators.
- 04
Steer the risks
Adjust limits, collateral and escalations on an ongoing basis.
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