Credit Risk Management Software

A significant and growing problem for organisations today is the loss of revenue through bad debt (i.e. non-payment for goods and services received).  The use of advanced technology can provide valuable support to existing in-house screening policies and credit agency checks.

Minotaur Credit Risk Management solution assists organisations to both assess prospective customers for credit risk at application stage (also known as originations), and to predict and manage payment risk throughout the customer lifetime. 

Managing credit risk at application stage

Minotaur Credit Risk Management solution enables organisations to assess each prospective customer for creditworthiness. It does this using neural predictive analytical models, which are created using an organisation's own historic data to ensure they are highly relevant and accurate. 

Scores are produced which indicate a prospect's propensity to pose a credit risk, helping organisations to make informed decisions about which customers to accept and on what terms. 

Managing credit risk throughout the customer lifecycle

Minotaur Credit Risk Management solution enables organisations to set initial credit limits that are individual to each customer. Over time, a profile begins to form regarding customers' spending and payment habits. 

This information is used to automatically adjust customers' credit limits in line with their behaviour, e.g. 'good' customers are rewarded with higher credit limits.  This helps to increase both profits and customer loyalty.  

Alerts are generated when customers exceed, or are predicted to exceed, their credit limit. 

Minotaur Credit Risk Management solution can be deployed at the customer site or accessed via the Cloud. 

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