Identify risks and opportunities within your customer portfolio
When evaluating the creditworthiness of your existing customers, you need to quickly and efficiently review every account in your portfolio while prioritizing account management activities. Portfolio Scoring from Experian applies a statistical risk score to each account in your customer portfolio and returns credit, public record and demographic attributes, enabling you to make quick,
easy credit decisions.
By using Experian's Portfolio Scoring, you can maximize net revenue by reducing delinquencies and write-offs and by gaining visibility to opportunities for additional revenue from existing customers.
Overdue accounts and missed collection opportunities often result in financial losses for your business. Portfolio Scoring allows you to see up-to-date information on your customers, including how they are paying their other creditors. This helps you make timely decisions to proactively reduce your exposure to risk.
By mining your portfolio for additional revenue opportunities, you can gain visibility to opportunities to increase revenue generated from your good customers.
Save time and money
Managing a large portfolio can be time-consuming without the right tools. Portfolio Scoring helps you focus your time and effort on the minority of customers who pose a credit risk or those who show potential for additional revenue.
With Portfolio Scoring, you can review your entire portfolio in a fraction of the time. Portfolio Scoring allows you to:
- Quickly identify accounts in trouble and take action to reduce write-offs
- Identify good customers to target for additional sales
- Support compliance with government regulations like Sarbanes-Oxley and Robinson-Patman The time saved using Portfolio Scoring frees up credit team resources to address other needs.
Comprehensive view helps refine credit policy
Portfolio Scoring powered by Experian's proven IntelliscoreSM models, industry-specific models or your custom model provides a comprehensive credit view of the business or both the business and the owner.
Scoring your portfolio regularly allows you to:
- See how your customers are paying their other creditors
- Identify key changes to your customers' accounts
- View trends in your portfolio to drive changes to your credit policy and practices
Corporate Linkage is available in all Experian products, including Portfolio Scoring, and is part of the backbone of Experian's database. It allows greater decision-making capabilities by giving you a clear and insightful picture of all relationships within a corporate family. When deciding whether to extend credit to a particular business, determining which relationships to grow or working to meet your "Know Your Customer" requirements, you need a complete picture of a business.
Linkage occurs when one business has financial and legal responsibility for another. Common linkage identifiers such as branch, headquarters, subsidiary and parent are used to clearly indicate the location type and relationship structure within the corporate family.
Don't be surprised
By pairing Experian data with your in-house data, you stay in the know. Portfolio Scoring data can be provided monthly, bimonthly, quarterly or annually. Regular scoring is optimized when paired with constant account monitoring using one of Experian's account monitoring services.