Credit Risk Assessor

The Problem

Wholesale businesses extend trade credit to customers as standard practice, but managing that credit exposure is often reactive. A customer’s payment terms are set during onboarding and rarely reviewed until invoices start going unpaid. By then, the business might have months of outstanding invoices with a customer whose financial position has deteriorated significantly since the original credit assessment.

How It Works

The Credit Risk Assessor monitors payment behaviour across your customer base in real time — tracking days-to-pay trends, payment pattern changes, and credit limit utilisation. It cross-references internal payment data with external credit signals where available, and flags accounts showing early warning signs of financial stress. The agent also recommends credit limit adjustments and identifies accounts where tighter payment terms might be warranted before exposure grows.

Protect Your Receivables

Catching credit problems early gives your collections team time to act — adjusting terms, requesting guarantees, or reducing exposure before a small problem becomes a large write-off. The agent also helps your sales team make informed decisions about extending credit to new accounts. For businesses looking to automate credit management alongside broader financial workflows, our RPA solutions can connect credit monitoring with your accounting and collections systems.