The Crystal Ball of Credit Management

2107

“We should have seen that coming…” Chances are you’ve uttered this
phrase more often than you would like to as a result of an unexpected event
impacting your credit management activities. More often than not, the phrase
should have been “We could have seen that coming”. If you’ve got your credit
management up to a strategic level, it might even become “We CAN see that
coming!”.

Successful credit management is fundamentally about increasing the predictability and thereby reducing the risk associated with your cash inflow.

 

The most obvious starting point in increasing your knowledge of your customer portfolio is by obtaining valuable information about your customers from your customers.

Lots of our customers ignore the importance of a credit application in obtaining valuable information on their customers’s licensing structure, management, key stakeholders, related entities and banking & financial information. So simple, yet so effective.
The two biggest external sources are
Information providers
There are quite a few information providers who do the necessary due diligence on the company’s credit-worthiness and report the same back to you. In the Middle East, a few parameters are critical in determining the external information provider who best suits your requirement. We have noticed that understanding payment behaviors and historical evidence of defaulting on payments play an important role in assessing the credit-worthiness of companies.

Insurance companies
If you are in a high stake business with large invoices on a single customer, chances are that your organisation has credit insurance. In short, these insurers offer policies covering the non-payment of invoices by your customer due to numerous reasons. They provide credit limits and additional information so you know at all times what the maximum exposure is with a customer that is covered by the insurance. This information is of course valuable to credit management.

 

Getting a 360 Degree perspective of your customer is critical to increasing the PREdictability of credit management

Gathering all the information from its sources is an excellent starting point. But information
really increases in value if it’s put to action. This can be done by segmentation of your
customers based on the criteria acquired, creating different dunning profiles per segment
which can change dynamically, and scoring based on the combination of the internal and
external information you have collected. This is really putting the insight into action.

5 Steps to improve your Credit Management

1. Asses your current approach
How long ago did you implement your current dunning strategy? Is it still up-to-date?
Taking a closer look at your processes and procedures regularly is bound to yield results.
When are your actions planned, how many actions are planned? Are they planned at the
right time and is the frequency and amount effective?

2. Plan intelligent actions
Adapt your actions to the information available of the customers and size of your outstanding invoices.

3. Plan focused/targeted actions
Segment your customers into groups based on a combination of information and criteria:
• Internal information (historic payment behavior and complied appointments)
• External information (credit information)
• Risk level (based on history, industry, country)
Divide your clients into profiles and adapt your dunning strategy to this.

4. Plan actions at the right level
Make sure to match a collector of the right level to the action that is required and the
person that needs to be contacted. A combination of the invoice sum and clients profile
helps to determine if a junior or senior collector should be responsible for collecting it.

5. Use pro-active actions
Consider planning an action before the due date of your invoices. This may seem to
cost you extra care but could save you time in the long run. It is an opportunity to detect
possible questions or queries about a delivery or invoice that might otherwise cause a delay
of the payment.

 

Adapt your collection strategy with customer scoring

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  145. ปั้มไลค์รูป Facebook, Like Fanpage, จ้างไลค์, ปั้มเพจเฟสบุ๊ค, เพิ่มไลค์เพจ ราคาถูก, ซื้อไลค์แฟนเพจ, จ้างปั้มไลค์, การเพิ่ม Like เป็นการเพิ่มโอกาสทางการขายสินค้าของคุณนั่นเอง ด้วยงานบริการเพิ่มไลค์แฟนเพจระดับมืออาชีพ ประสบการณ์การทำงานหลายปี, รับเพิ่มไลค์, ปั้มไลค์รูปเฟส, ปั้มไลค์ ในโทรศัพท์, รับเพิ่มไลค์แฟนเพจ เป็นการโปรโมทแฟนเพจ เพื่อเพิ่มยอดขายสินค้าได้, ไลค์เพจ, ปั้มไลค์ราคาถูก, รับจ้างเพิ่มไลค์, ปั้มไลค์เพจ, รับทำเพจสินค้าพร้อมยอดไลค์, ปั้มเพจ เหมาะสำหรับผู้ที่ต้องการยอดไลค์เพจเพจเยอะๆ, เพิ่มไลค์ฟรี, ไลค์แฟนเพจเฟสบุ๊ค, ปั้มไลค์ทั่วไป, รับทำเพจเฟสบุ๊ค, เพิ่มไลค์เพจ, รับไลค์ครบวงจรทั่วไทย, บริการปั้มไลค์แฟนเพจฟรี, ปั้มเพจ, ปั้มไลค์ฟรี, ปั้มไลค์มือถือ, เพิ่มไลค์แฟนเพจ, โกงไลค์, ไลค์แฟนเพจ, รับปั้มไลค์เพจ, ปั้มไลค์เพจคนไทย, ปั้มไลค์รูป, ปั้มไลค์เฟสบุ๊ค, บริการเพิ่มไลค์เฟสบุ๊คให้แฟนเพจ, ปั้มไลค์เพจฟรี, รับสร้างแฟนเพจพร้อมยอดไลค์, บริการเพิ่มไลค์แฟนเพจฟรี, รับปั้มไลค์รูป, ปั้มรูป, ไลค์แฟนเพจราคาถูก, บริการเพิ่ม Like ให้แฟนเพจของคุณ โดยทีมงานระดับมืออาชีพ ในระยะเวลาอันสั้นและราคาถูก รับประกันไลค์จากคนไทย 100%, รับทำไลค์แฟนเพจจำนวนมาก, Auto Like, ปั้มโพสต์, ไลค์คนไทย 100%, รับจ้างกดไลค์, เพิ่มไลค์, รับเพิ่มไลค์แฟนเพจเฟสบุ๊ค, เพิ่มไลค์แฟนเพจ ราคาถูก, ปั้มไลค์ง่ายๆ, รับจ้างปั้มไลค์, ปั้มยอดไลค์เป็นคนไทย 100%, ปั้ม Like ฟรี, Up Like Fanpage, ปั้มไลค์ครบวงจร, กดไลค์รูป, ปั้มไลค์สถานะ, ปั้มไลค์แฟนเพจ, กดไลค์แฟนเพจ, กด Like, จ้างกดไลค์, บริการปั้มไลค์ฟรี, ไลค์แฟนเพจได้สูงสุดหนึ่งล้านไลค์, ปั้มไลค์ Facebook, รับเพิ่ม Like Fanpage Facebook ราคาพิเศษ เหมาะสำหรับผู้ที่ต้องการเพิ่ม Like Fanpage ให้ดูเป็นความน่าเชื่อถือของร้าน, เพิ่มไลค์คนไทย, Pump Like, จ้างเพิ่มไลค์, ปั่นไลค์, ปั้มไลค์เพจ Facebook, แฟนเพจพร้อมยอดไลค์, Add Like Fanpage, เพิ่ม Like, จ้างไลค์รูป, รับไลค์แฟนเพจ, ปั้มไลค์, รับทำไลค์ครบวงจร, กดไลค์, รับ Like Fanpage

  146. Hello there! I know this is kinda off topic but I’d figured I’d ask.
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