Turn Your Portfolio Data into Actionable Intelligence
These models enable our clients to efficiently manage their portfolio by analyzing the paying and charging behavior of individual accounts over time.
"Your Accounts Receivable master file contains a vein of gold: the record of customer behavior over time. Behavioral models mine that gold."
By predicting which accounts will perform and which ones are at risk of delinquency or loss, our behavioral models provide a roadmap for safe growth and proactive loss prevention.
Strategic Portfolio Management
Our models empower credit managers to achieve measurable results:
Revenue Growth
- Limit Increases: Safely increase credit limits to capture additional sales opportunities with proven payers.
- Line Adjustments: Lower or shut off lines to potentially bad accounts to minimize potential losses.
- Shadow Limits: Set sophisticated shadow limits for more accurate authorization purposes.
Risk Mitigation
- Early Warning System: Detect subtle shifts in overall portfolio performance before they become crises.
- Collection Targeting: Focus your limited collection resources on the specific accounts that need early intervention.
- Loss Projection: Project write-offs and bad debt with significantly higher accuracy.