B2B Credit Risk Management demo
Each customer's credit file watched nightly, with every limit change cited and signed. 1:35
What the demo shows
Reviews customer credit files, sets limits and flags deterioration for credit analysts
Every customer's credit file is a dial: the exposure fills the arc, a tick marks today's limit and another the proposed one, and the signals sit around it, each opening the passage it came from. Watcher agents read the payment ledger, liens, court dockets, public filings, bureau and insurer notices and the news every night. A credit scorer re-scores the customer and explains each point; a limit recommender drafts a new limit, its conditions, the open orders it would hold and a cited memo; an independent policy checker tests it rule by rule against the company's own credit policy and can disagree, which always sends it to a person. The credit manager talks with the agents in the same screen, asks what sales loses, tries another limit, and approves, edits or rejects with a reason code and an e-signature. Only then does an agent write the limit to the ERP, hold or release orders and tell the sales account manager why in plain words.
Transcript
- B2B Credit Risk Management reviews credit files, sets limits and flags deterioration for credit teams.
- Bad debts average 8% of U.S.
- business credit sales, yet limits are reviewed yearly.
- Watcher agents read every customer nightly, payments, liens, filings, news.
- Terrence Steele, $480,000 of exposure on a $500,000 limit Each signal opens its source, a blanket lien, then going concerned
- out. The scorer drops Tarrant from 71 to 44.
- The recommender proposes 350,000.
- A second agent checks the credit policy.
- Eight of eight rules pass.
- Helen, the credit manager, asks what sales loses, then approves with a reason code.
- Then an agent writes the limit to the ERP, holds two orders, and tells sales why.
- Every signal cited, every decision signed, every step logged.
- The aim, a quarter less bad debt and decisions in a day, not a year.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.