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.