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Portfolio Credit Management

Portfolio scoring for credit to pro-actively monitor customers for optimal credit line management, releasing of orders and on-going customer reviews for pro-active decisioning.

Features:

•	Know an account’s validated probability of default (BAD) and dollars at risk to automate credit line reviews, increases (up-sell opportunity to sales) and decreases (manage down risk exposure), and credit risk evaluation for repeat authorizations with existing customers.
•	Streamline credit and collection operations based on validated risk measurements, reducing costs.
•	Leverage your internal performance data, which is the most predictive data for this type of model, it’s readily available, it’s free, and you can score all accounts.
•	Multifunctional: Credit/lease line management, control risk of repeat transactions with existing customers, collection strategy prioritization, and calculating bad debt reserves.

CollectionStrategyScore^SM - Consumer (B2C) portfolio management model for credit and collections that predicts the risk of any consumer becoming severely delinquent, going to loss or bankruptcy over a six-month period.

FinancialRiskScore^SM – Commercial (B2B) portfolio management model for credit and collections for commercial credit cards, installment loans and lines of credit. Predicts the probability of severe delinquency (you determine bad definition) or loss at some point between six and twenty-four months from the date of the score.

LeaseRiskScore^SM – Commercial (B2B) portfolio management model for credit risk and collection prioritization that predicts the probability of severe delinquency beyond terms or loss for leasing/loan installment with monthly or quarterly payments.

MedicalCollectionScore^SM - Score patients from “day one” after treatment, late stage delinquency, charge-offs and accounts placed for collection through tertiary and beyond.

Net30Score^SM – Commercial (B2B) portfolio management model for credit and collections that predicts the probability that a GOOD paying customer will become BAD at some point during the next six months for trade credit, primarily Net/30, 10-day terms, but can be adapted to handle almost any terms.

UtilityScore^SM – Portfolio management model designed for collection prioritization and determination of deposits. The model predicts the probability that a GOOD paying customer will become BAD at some point during the next six months for residential and industrial and commercial accounts for electric, gas, water, and telecommunications companies. Customers use the scores to rank order collections, calculate bad debt reserves, and determine deposit amounts for existing customers.

ScoreMiner^SM - Web-based credit and collection scoring, data mining, report and query system that leverages the predictive power of PredictiveMetrics’ industry/finance specific and custom portfolio scores. Customers use ScoreMiner’s various filtering and reporting capabilities to review and analyze information, to measure credit and collection performance and provides detailed information and graphical analysis by risk class and credit risk change over time.