Gestion de Credito

FINANCIAL SERVICES: CREDIT MANAGEMENT AND CREDIT RISK EVALUATION

SAP CREDIT MANAGEMENT - SAP BRF + - SAP HYBRIS - SAP CUSTOMER FINANCIAL MANAGEMENT

This credit administration allows an effective management with a comprehensive control of credit risk that allows visualizing the Global Commitment of the client and thus, facilitating the increase in sales by reducing the blocking of credit.

You will be able to view the credit commitments acquired by countries and the control of sales orders that have been blocked due to non-compliance with payments. In addition, the Credit administration allows to calculate the credit capacity of the clients according to the volume of sales and in this way increase the volume of orders and sales.

SAP CREDIT MANAGEMENT - SAP BRF + - SAP HYBRIS - SAP CUSTOMER FINANCIAL MANAGEMENT

NEED

The organization needs to have a solution that allows comprehensive control of credit risk. This solution should:

MANAGE

Proactively credit risk at the organization level.

TAKE DECISIONS

Credit quickly and effectively and reduce bad debt ratios.

IMPLEMENT

Credit policies at the organization level, evaluating the customer online and their ability to pay, in the same way as managing credit quotas by sales segment and updating those committed in real time.

ALLOW

The consultation and evaluation of the Risk Centers to make decisions together with the evaluation of the internal bureau.

TO ANNOUNCE

The corporate risk exposure at the level of credit segment, risk class and also the levels of use of credit quotas.

SOLUTION

Actiobyte's Solution for Credit Management and Credit Risk Assessment globally manages credit policies, credit limits and risk control.

It allows defining credit policies at the organization level and making credit decisions online. It also takes care of qualifying the client assigning classes of risks according to configuration.

This solution also evaluates online the total commitment of the client and alerts when he is close to using 100% of his credit quota.

Credit decisions are evaluated following a scheme of steps , these are configured according to the needs of the business and can evaluate: Internal and external bureaus, client classification, client financial information variables, demographic and labor profile variables, among others.

THE MAIN FUNCTIONS

OF THE SOLUTION ARE:

MANAGING CREDIT LIMITS

Customer profile management
Centralization of the administration of credit quotas at the organization and segment level

CREDIT CASES

Structured management of credit cases for approval with levels of attributions and correspondence
Creation of credit cases for your clients
Tracking the status of each credit check

CREDIT RULES ENGINE

Categorization of clients by means of scores
Automatic calculation of credit limit according to defined policies
Rules for online credit check
Modeling and implementation of credit scorecards
Credit check steps (current payments, returned checks, future credit quota etc)

INTEGRATION WITH RISK CENTRALS

Interface with External Credit Bureaus / score calculation

Her organization

will have tangible benefits such as:

Comprehensive management of credit risk at key moments with the client (sales approval) with control and visualization of the client's Global Commitment, verification steps and reduction of the% of bad credits. In summary, it allows an Effective Management to reduce DSO (Days Sales Outstanding) and facilitates the increase in credit sales
Credit monitor to view commitments by country, segments, currencies, etc.
Monitor for unlocking sales orders blocked by credit
Flexible, periodic and massive calculation of the credit limit of customers according to the updated sales volume and other rules,}
Increase the credit limit and thus increase the approval of orders and sales