Credit risk scoring
Detect default risks early.
Credit risk scoring analyses payment behaviour, balance-sheet data and market information to assess the default risk of customers and business partners.
- Lower risk
- Better decisions
- More transparency
defaults
risk provisions
payback
forecast accuracy
Calculated from avoided bad debt and optimised credit-limit management.
- 01
Data integration
Consolidate data from ERP, MES and further sources for Credit risk scoring.
- 02
Data quality
Clean, harmonise and validate data for plausibility.
- 03
Model development
Train and validate the Credit risk scoring model on historical data.
- 04
Pilot
Pilot Credit risk scoring in one area and collect feedback.
- 05
Rollout
Scale the solution and integrate it into operational processes.
Steps
Data sources
Stakeholders
From first data access to production – every step delivers a tangible interim result.
Financial data
Cost centres, budgets, cash flows and invoices.
Customer data
Contracts, cases and communication.
ERP data
Master and transaction data from ERP.
Documents
Specifications, quotes, contracts and reports.
Sales data
Orders, revenue, channels and customer feedback.
Supply-chain data
Inventory, transport and risk indicators.
CFO
Receives reliable financial and risk metrics.
Controlling
Quantifies effects and supports budgeting.
Sales
Uses data-driven pricing and sales steering.
IT
Builds on a scalable and secure data infrastructure.
Lower risk
Better decisions
More transparency
Cost reduction
Easier compliance
With a solid data foundation this use case gets faster, cheaper and far more stable.
Central data platform
Real-time data integration
Scalable analytics pipelines
Reusable data products
Automated reporting
Metrics are provided without manual effort.
Demand forecasting
Data flow enables more precise forecasts.
BI reporting
Metrics are delivered in dashboards.