Manage Risk
Your success depends on good decisions based on comprehensive information and the intelligence behind it.
Discover how our complex financial profiles can give you the insight to improve the management of your portfolio, client relationships and marketing.
Discover how our complex financial profiles can give you the insight to improve the management of your portfolio, client relationships and marketing.
We're considering expanding into new markets. How can we better determine if this is a wise investment for our company?
We provide in-depth Risk Analytics to help you make sound management decisions. Historical performance, segmentation tools and statistical analysis are just a few of the tools we use to help you make important decisions.
How can we obtain timelier information that can help us collect faster and more efficiently?
You can identify collection opportunities based on specific customer behaviour with Triggers on Consumers and Business Monitoring on businesses. You set the criteria and thresholds for key changes in behaviour, and receive notification of their occurrence on a schedule you specify—monthly, weekly and even daily. This enables you, for example, to anticipate which accounts may be going into collections, respond faster to changes in customers' ability to pay, and prioritise (and re-prioritise) accounts more effectively.
We'd like to make better decisions about the creditworthiness of our clients. What kinds of decisioning tools do you recommend?
If you are dealing with consumers:
You can take advantage of our Risk Models, part of our Risk Management Services, to automate your credit decisions and make them more objective.
Reduce exposure and increase opportunities with a number of delinquency or bankruptcy predictors. For example, you can predict an individual’s likelihood of delinquency with Empirica.
If you are dealing with businesses:
The Debtor Ranking Model rapidly collates commercial data, based on a set of customisable rules, to give you an intuitive view of the potential risk associated with each debtor. This solution ranks debtors based on potential risk (high, medium or low) and an associated score. This enables you to focus limited resources more efficiently on higher-risk clients requiring more attention.
You can take advantage of our Risk Models, part of our Risk Management Services, to automate your credit decisions and make them more objective.
Reduce exposure and increase opportunities with a number of delinquency or bankruptcy predictors. For example, you can predict an individual’s likelihood of delinquency with Empirica.
If you are dealing with businesses:
The Debtor Ranking Model rapidly collates commercial data, based on a set of customisable rules, to give you an intuitive view of the potential risk associated with each debtor. This solution ranks debtors based on potential risk (high, medium or low) and an associated score. This enables you to focus limited resources more efficiently on higher-risk clients requiring more attention.
How can I increase my clients’ utilisation of business credit?
Our customised business scorecards can help you analyse your current customer base, and identify and segment individual accounts. Then apply the appropriate strategy to each, based on current activity and predictions for the future.
We need to make better decisions at point-of-sale. In particular, we want to better identify customers who may have a good risk score now, but might be vulnerable to added financial stress. What do you recommend?
Two of our scores, used in conjunction, can help. You can identify different levels of risk with a delinquency score and help predict an individual’s slope of indebtedness with the Debt Index. By using both scores, you can better identify customers who may be good risks today but might pose heightened risk in the future.
Determine if a supplier, potential business partner or client is likely to be in business for the long term. Our Business Scores utilise expert analytics to predict if a business will experience financial stress in the next year.
Determine if a supplier, potential business partner or client is likely to be in business for the long term. Our Business Scores utilise expert analytics to predict if a business will experience financial stress in the next year.
The National Credit Act brought complexities and challenges. One such challenge is conducting affordability assessment before granting credit to a debtor. How can we more accurately determine affordability and help make our decisioning more compliant?
Our Affordability Model helps you determine an affordable monthly instalment for an individual debtor. By entering a few simple parameters into the model you can automatically calculate the instalment that a debtor can afford based on characteristics specific to your customers. In addition, you gain a better understanding of your customer’s capacity to take on credit—which is directly linked to an accurate estimation of income—with our Income Estimator Model.
NEXT STEPS:
- To learn how our Risk Management solutions can help you make more informed decisions, reduce losses and improve profitability, request more information now.
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