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Credit Risk

Sagacity Credit Risk

 

Credit risk management is a highly complex but necessary discipline for successful businesses. Credit risk strategies can be adopted throughout the customer lifecycle from customer on-boarding, in life management to collections. They enable businesses to tailor the treatment of their customers based on the level of credit risk they pose to optimise collections rates and minimise bad debt.

Sagacity has decades of experience in credit risk management across a range of industry sectors including defining policies and processes, managing policy compliance, optimising collection strategies, increasing collections performance, developing reporting and dashboard and introducing tools and data to leverage risk management capabilities.



Merging experience with software

Whether acquiring a new customer, managing the customer experience or increasing collections rates, we combine our industry leading software and extensive experience to help you minimise your exposure to credit risk and increase collections by implementing solutions tailored to your unique business needs.

 

Customer Risk and Collections Expertise

We conduct detailed analysis to understand the current ways of working across the customer lifecycle that impact credit and collections. We capture this in a fully managed Credit & Collections Policy with governance framework and identify and drive improvements to minimise your credit risk exposure.

We have significant experience in analysing, designing and building collections strategies and supporting treatment paths across a range of industries. Our end-to-end solutions start from customer segmentation through to tailored customer communications, handling payment plans and migration strategies. We work with you and your third party providers to deliver the new strategies and ensure they are implemented smoothly with minimal disruption to your operation.


We help you to make the most of your data by building bespoke reporting solutions. This includes bringing multiple disparate datasets together to provide end-to-end visibility of your credit risk exposure and collections performance to help make business decisions and identify improvements.


We have extensive experience using the latest available external data to enhance your credit risk and collections strategies. We support this with our experience of implementing data solutions to ensure that you get the most from the data and can operationalise it.


We have a range of innovative solutions which use your data and our technology to solve operational issues in credit risk and collections and drive realisable business benefit. We can also make use of our technology e.g. our enhanced matching and cleansing capability to create bespoke solutions to address your business challenges.






Delivering real benefits

Debt Reduction Through Operational Improvement for Residential Customers

£1.7m

debt reduction in first 3 months

CASE STUDY

Consolidating Debt
at Customer
Level

£6.2m

of debt identified and >60% collected

CASE STUDY

Debt Reduction Programme
for B2B Energy
Provider

£1.3M

reduced debt in 12 weeks

CASE STUDY



A wide range of capabilities

Strategy

Credit risk and strategy management

Credit risk and strategy management

Credit and collections policy definition and governance

Credit and collections policy definition and governance

Credit and collections policy compliance and governance

Credit and collections policy compliance and governance

Data sharing strategy including data definitions and returned data usage

Data sharing strategy including data definitions and returned data usage

Risk assessment for new propositions and initiatives

Risk assessment for new propositions and initiatives

Analytics and Reporting

Credit and collections policy effectiveness and compliance

Credit and collections policy effectiveness and compliance

Credit risk and collections reporting, dashboards and insight

Credit risk and collections reporting, dashboards and insight

Scorecards and strategy monitoring

Scorecards and strategy monitoring

Deep dive analytics into key risk areas

Deep dive analytics into key risk areas

Operations Oversight and Monitoring

Policy management, execution, process and procedural oversight

Policy management, execution, process and procedural oversight

Debt Task Force solutions to accelerate collections

Debt Task Force solutions to accelerate collections

Engagement with sales, operations, regulation and third parties

Engagement with sales, operations, regulation and third parties

Collections systems, paths and dialler strategies

Collections systems, paths and dialler strategies

Management of customer communications

Management of customer communications

Collections processes and procedures

Collections processes and procedures

Data share oversight and management

Data share oversight and management

Credit risk and collections training

Credit risk and collections
training


We join the dots...

Get in touch to find out how we can help your business address its current challenges

Contact us now

What We Do

  • Credit Risk
  • Revenue Assurance
  • Value Based Management
  • Data Management (DMSA)
  • Customer Data Solutions
  • Consulting

Core Industries

  • Water
  • Energy
  • Telecoms
  • Financial Services
  • Housing

About

  • Clients
  • Our Team
  • Technology Credentials
  • Insights Library
  • News & Blog
  • Investors & Partners
  • Press & Media
  • Careers

Contact us

  • Main Switchboard:+44 (0)1923 437 684
  • Email:enquiries@sagacitysolutions.co.uk
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