Transcendent’sPortfolio Management & Analysis provides a complete solution to the risks associated with credit receivables. Using an in-house, proprietary system, the client receives a comprehensive set of reports with specific recommendations on all aspects of the portfolio. These reports feature highly sophisticated segmentation and analysis, akin to what is used in the world’s largest providers of financial services. In addition, to processing data into a variety of charts and graphs, Transcendent provides highlighted insights derived from the data and detailed action items.

1. www.transcendent.com.sg
www.transcendent.com.cn
t +65 6337 9280
e info@transcendent.com.sg
Portfolio
Analysis
Acquisitions
Analyses
Portfolio
Analyses
Concentration
Analyses
Delinquency
Analyses
Scoring
Analysis
Problem
Credit
Analyses
Remarketing
Analysis
Impact
Transcendent’s Portfolio Management and Analysis can substantially increase the breadth and
quality of monitoring in an organization, thereby significantly reducing risks associated with providing
credit. With sophisticated reporting and data-driven action items, it is possible to avoid many
potential issues and more effectively and efficiently allocate time and resources where they are most
impactful.
Portfolio Management & Analysis
Transcendent’s Portfolio Management & Analysis provides a complete solution to the risks associated with
credit receivables. Using an in-house, proprietary system, the client receives a comprehensive set of reports
with specific recommendations on all aspects of the portfolio. These reports feature highly sophisticated
segmentation and analysis, akin to what is used in the world’s largest providers of financial services. In
addition, to processing data into a variety of charts and graphs, Transcendent provides highlighted insights
derived from the data and detailed action items.

2. www.transcendent.com.sg
www.transcendent.com.cn
t +65 6337 9280
e info@transcendent.com.sg
Process
Transcendent works with clients to facilitate the transferal of raw data monthly. With that raw data, Transcendent runs
complex analytics to generate a wide variety of analysis including vintage reports, delinquency reports and net flow
analytics, among others. This provides a multifaceted, highly sophisticated view of business performance and can be
used to pinpoint problem areas. It facilitates viewing current data against historical performance to uncover trends,
cycles or changes, which allows for quick identification of sub-par performance, waste or discrepancies. For example, it
can hone in on trends in delinquent payments, pinpointing the issue and facilitating direct, quick responsive action.
About
Transcendent is a
business services
company that
combines
management
consulting with hands-
on solution
implementation. It was
established from
several asset based
finance, leasing and
insurance veterans and
services organizations
around the world with
subject matter
expertise and strategic
advice.
Acquisitions Analyses
Acquisitions analyses breaks down new acquisitions, examining the past year’s new
business month by month in terms of value, product type, credit score, and quantity.
Portfolio Analyses
Portfolio analyses breaks down the entire portfolio of current business by a variety of
factors, examining the portfolio’s composition by industry, asset type, age, etc.
Concentration Analyses
Concentration analyses provide insights into the amount of current business that is coming
from specific customers, industries, product types or asset types. This illuminates
dependencies on individuals or institutions and can help drive risk mitigation through
diversification efforts.
Delinquency
Delinquency analyses examine trends in delinquent payments, which can be used to
pinpoint if issues are arising in underwriting or collection. In addition, it delves into
delinquency trends through vintage analyses, recovery analyses and others in order to
pinpoint trends or specific problem areas. Taking a holistic approach to monitoring
delinquency mitigates many risks associated with providing credit.
Scoring
Scoring provides an overview of business stability and the evolution thereof over time. It
tracks approvals and overrides to provide insight into underwriting practices.
Problem Credit
Problem credit reports single out problematic or potentially problematic customers who
need to be specially monitored and addressed. Doing so ensures proper follow up on both
types of customers.
Remarketing
Remarketing reports monitor costs, revenue and profitability in remarketing activities.