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Credit Management
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Credit Management


An effective use of credit management techniques is imperative to maintain a low bad debt ratio. Optimizing the financial supply chain often starts at this key step of management of customer credit lines. Capgent offers a holistic view of credit from external agencies and internal/3rd party sources along with effective credit scoring.

The ability to effectively evaluate new credit applications hinges on the ability of the manager to quickly decipher all the various financial information from internal and external sources on the client to make a quick and quality decision.
 
Real Time Credit Monitors
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The system features real time credit monitoring of Key Performance Indicators such as:
    Average DSO Analysis
    Outstanding Vs Credit Limits for each account
    Ratio of Bad debts Vs Exceptions per account
    STP Rate
    Ability to understand Credit exposures to make strategic decisions
    Measurement Customer satisfaction Metrics Vis a Vis risk tolerances
    Measure Delayed Payment instances along with the amount
    Exception Management
    Cost Per Transaction
Rules based Credit Score Management
Business rules can be setup to derive a custom credit score based on payment history, order volume, deduction, and claim history, number of credit requests in a time window and any such parameters based on statistical and judgmental criteria can be used to maintain an accurate credit score.
             
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