Credit Risk Assessor

What is Credit Risk Assessor?

• Counterparty Intelligence Engine. The Credit Risk Assessor is an autonomous AI worker that continuously evaluates buyer creditworthiness across your customer portfolio. It aggregates data from credit bureaus (D&B, Experian, Creditsafe), news feeds, court filings, and financial statements to generate real-time risk scores for every trading partner.
• The $50 Billion Bad Debt Problem. Global trade bad debt losses exceed $50 billion annually, with SMB exporters losing 2-3% of revenue to customer defaults. Traditional credit checks are point-in-time snapshots that miss deteriorating payment behavior between annual reviews.
• Alternative Data Revolution. Modern credit risk goes beyond bureau scores. The agent monitors social media sentiment, regulatory filings, supply chain disruptions, and macroeconomic indicators to detect early warning signals. A supplier posting layoff news or a customer's main buyer filing bankruptcy triggers immediate alerts.
• Dynamic Credit Decisioning. Static credit limits fail in volatile markets. The Credit Risk Assessor recalculates exposure daily, adjusting limits based on payment history, order velocity, and external risk factors. This enables safe expansion while preventing concentration risk.

Replaces:

• Annual credit reviews replaced by continuous monitoring.
• Manual D&B lookups replaced by automated bureau aggregation.
• Spreadsheet-based credit limits replaced by dynamic AI scoring.
• Reactive bad debt write-offs replaced by proactive risk mitigation.
• Gut-feel credit decisions replaced by data-driven approvals.

Why Credit Risk Assessor?

• Prevent 40% of Bad Debt Losses. Companies using AI-powered credit monitoring report 40% reduction in bad debt write-offs. The agent identifies deteriorating customers before they default, enabling proactive collection or shipment holds. Early intervention recovers 60-70% of at-risk receivables versus 10-20% post-default.
• Accelerate Credit Decisions by 80%. Manual credit approvals take 3-5 days, delaying sales. The Credit Risk Assessor delivers instant decisioning for new customers by synthesizing bureau data with alternative signals. Sales teams get approved credit limits within minutes, not days.
• Expand Safely into New Markets. International expansion means assessing buyers with limited credit history. The agent leverages country risk indices, currency volatility, and payment term norms to score customers in emerging markets. It enables 15-20% revenue growth through informed risk-taking.
• Optimize Working Capital Allocation. Credit exposure ties up working capital. The agent identifies over-extended customers consuming disproportionate credit while flagging under-utilized limits with strong buyers. Portfolio optimization releases 10-15% of trapped receivables.

How It Works

1. Data Aggregation. The agent connects to credit bureaus (D&B, Experian, Equifax Business), news APIs, court records, and your ERP's payment history. It builds a 360-degree view of each customer's financial health, industry position, and payment patterns.
2. Risk Scoring. Machine learning models process traditional credit metrics (PAYDEX, payment trends, financials) alongside alternative data (news sentiment, peer defaults, supply chain stress). Each customer receives a dynamic risk score updated daily.
3. Limit Recommendation. Based on risk scores and your company's risk appetite, the agent calculates optimal credit limits. It factors in order frequency, payment terms, and concentration risk to prevent over-exposure to any single customer.
4. Alert & Escalation. When risk indicators change - missed payments, negative news, or bureau downgrades - the agent triggers workflow actions: hold orders, tighten terms, or escalate for human review based on severity thresholds.

Get Started

Stop discovering bad customers after they default. Deploy the Credit Risk Assessor to continuously monitor buyer health, prevent write-offs, and expand confidently into new markets with data-driven credit decisions.