 for credit risk control
A strategic stake
Increasing financial costs, treasury in danger, to be in phase with current events managers aim at controlling the credit risk. Two actions must be taken at the same time: - Increase the performance in credit terms or leasing granting,
- Improve the performance of the debt recovering.
To increase significantly the efficiency of information systems ruling the "Credit management" and "Debt recovering" processes, a continuous measure and a competitive management of key indicators are essential.
 A competitive management In both processes, you have to manage efficiently the Key Performance Indicators (KPI): - Effectiveness, for example : success rate = grant decision/good payer, cost rate = recovering cost + uncovered debt/all debts...
- Efficiency, for example: performance of granting and recovering stakeholders, effectiveness of recovering by amicable agreement strategies, recovering delay...
Probance Execution Performances detects the significant drivers by a detailed statistical analysis -multi-axes- of behavior evolutions, of the biggest correlation (for example between the payers profiles, the nature of credits, the recovering centers, the follow-up, the relation customization...) and organize the actions into a hierarchy to reach the efficient KPI.
Probance Execution Performances offers thus an active and predictive management of credit risk.
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