Four risk scoring options to help modernize b2b credit approvals

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Risk Scoring is often a critical first step for any business attempting to modernize its credit approval process. The process can feel daunting, especially if you're new to basic automation principals and scoring concepts. In this session, Erikk Kropp reviews a best practice framework aimed at helping businesses modernize their credit approval process. In this session you will leave with three key takeaways: Fundamentals related to credit approval processing and how they are impacted by key business drivers The critical role of risk scoring in the path to modernization Common risk scoring options in the industry and their corresponding pros and cons Watch the recording of this webinar: https://www.experian.com/business-information/webinar-sip-and-solve-ep-21-four-risk-scoring-options-modernize-approvals

Data & Analytics

1 © Experian 22/04/2020
Sip and Solve
Four risk scoring options to help
modernize B2B credit approvals
Featuring:
Erikk J. Kropp
Senior Product Manager
Experian Business Information Services

2 © Experian
Path to modernization
Credit Risk Data
- Commercial
- Consortium
- Blended / Owner
- International Data
Risk Scoring
- Generic
- Judgmental
- Custom Model
Instant Decisioning
- Decision Actions
- Credit Limits
- Audit Trails
- Manual Overrides
- Real-time / Batch
Application
Processing
- Online Form Hosting
- Digital Form Storage
- Workflow Processing
- Response Messaging
System Integration
- APIs
- CRM / ERP Aps
- Mobile Aps (iOS, Droid)
- Aging Synchronization
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

3 © Experian
Why score-based automation?
Key Impacts:
• Quickly assess risk and take action
• Reduce dependency on manual reviews
• Increase consistency and objectivity
• Focus resources on medium risk, high balance
Decline 10% of applicants
50.82% bad rate
Approve 10% of applicants
1.25% bad rate
Manual Review 80% of applicants
8.04% bad rate
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals
Analysts AutomationAutomation

4 © Experian
1. Generic scores
Development:
• Statistical-based
• All-industry
Purpose:
• Define probability of a specific outcome or “bad definition”
– Severe delinquency
– Bankruptcy, default, failure
Advantages:
• Easy to access and implement (off-the-shelf)
• Comprehensive data sets
Challenges:
• Usually limited to credit attributes
• Compatibility
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

5 © Experian
2. Judgmental scores
Development:
• Judgment-based (experience of credit executive)
• Attributes, weightings, scaling is hand-picked
Purpose:
• Rank order accounts based on perceived risk
Advantages:
• Highly configurable
• Can include non-credit attributes
– Financial statement ratios (large customers)
– Portfolio / aging attributes (existing customers)
Challenges:
• Manual calculation (worksheet, spreadsheet)
• Decisioning software to automate calculation (extra cost)
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals
ATTRIBUTE 1 WEIGHT SCALE POINTS
Years in File 20%
<= 2 YEARS 0
3 ‐ 5 YEARS 2
6 ‐ 10 YEARS 5
11 ‐ 15 YEARS 8
15+ YEARS 10 (2)
ATTRIBUTE 2 WEIGHT SCALE POINTS
Intelliscore Plus 40%
1 ‐ 10 IPV2 0
11 ‐ 25 IPV2 2
26 ‐ 50 IPV2 5
51 ‐ 75 IPV2 8
76 ‐ 100 IPV2 10 (4)
ATTRIBUTE 3 WEIGHT SCALE POINTS
Financial Stability Risk Score 40%
1 ‐ 3 FSR 0
4 ‐ 10 FSR 2
11 ‐ 30 FSR 5
31 ‐ 65 FSR 8
66 ‐ 100 FSR 10 (4)
SCORE SCALE DECISION DECISION RATING
0 ‐ 2.0 POINTS DECLINE E ‐ HIGH RISK
2.1 ‐ 4.0 POINTS MANUAL REVIEW D ‐ MED ‐ HIGH RISK
4.1 ‐ 6.0 POINTS APPROVE C ‐ MED RISK
6.1 ‐ 8.0 POINTS APPROVE B ‐ MED ‐ LOW RISK
8.1 ‐ 10.0 POINTS APPROVE A ‐ LOW RISK

6 © Experian
3. Custom model scores
Development:
• Statistical-based
• Business / portfolio specific
Purpose:
• Define probability of client specific outcome or “bad definition”
– Severe delinquency
– Bankruptcy, default, failure
Advantages:
• Highly predictive
• Optimal business application
Challenges:
• Cost
• Implementation time
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

7 © Experian
4: Deploy scores for portfolio management
Portfolio Scoring
• Apply risk scores to entire account portfolio
• Run segmentation and trend analysis to spot risk
• Take action accordingly to limit back-end exposure or to increase sales capacity.
• Highly efficient and cost effective
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

8 © Experian
Parting thoughts
• Know your options and comfort level
• Be realistic with expectations
• Seek the right partner(s)
– Flexible
– Best interests in mind
Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

9 © Experian 22/04/2020
Thank you!
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原版一模一样【微信：741003700 】【卡尔加里大学毕业证（uc毕业证）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。本公司拥有海外各大学样板无数，能完美还原。 1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700 【主营项目】一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 如果您处于以下几种情况： ◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】 ◇面对父母的压力，希望尽快拿到； ◇不清楚认证流程以及材料该如何准备； ◇回国时间很长，忘记办理； ◇回国马上就要找工作，办给用人单位看； ◇企事业单位必须要求办理的 ◇需要报考公务员、购买免税车、落转户口 ◇申请留学生创业基金留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才办理卡尔加里大学毕业证（uc毕业证）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。办理卡尔加里大学毕业证（uc毕业证）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：校徽：象征着学校的荣誉和传承。校名:学校英文全称授予学位：本部分将注明获得的具体学位名称。毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。办理卡尔加里大学毕业证（uc毕业证）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。综上所述，办理卡尔加里大学毕业证（uc毕业证）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。

一比一原版(uob毕业证书)伯明翰大学毕业证如何办理

9gr6pty

原版一模一样【微信：6496090 】【(uob毕业证书)伯明翰大学毕业证成绩单】【微信：6496090 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。本公司拥有海外各大学样板无数，能完美还原。 1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微6496090 【主营项目】一.毕业证【q微6496090】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 如果您处于以下几种情况： ◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微6496090】 ◇面对父母的压力，希望尽快拿到； ◇不清楚认证流程以及材料该如何准备； ◇回国时间很长，忘记办理； ◇回国马上就要找工作，办给用人单位看； ◇企事业单位必须要求办理的 ◇需要报考公务员、购买免税车、落转户口 ◇申请留学生创业基金留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才办理(uob毕业证书)伯明翰大学毕业证【微信：6496090 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。办理(uob毕业证书)伯明翰大学毕业证【微信：6496090 】格式相对统一，各专业都有相应的模板。通常包括以下部分：校徽：象征着学校的荣誉和传承。校名:学校英文全称授予学位：本部分将注明获得的具体学位名称。毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。办理(uob毕业证书)伯明翰大学毕业证【微信：6496090 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。综上所述，办理(uob毕业证书)伯明翰大学毕业证【微信：6496090 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。

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frp60658

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PyData London 2024: Mistakes were made (Dr. Rebecca Bilbro)

Rebecca Bilbro

To honor ten years of PyData London, join Dr. Rebecca Bilbro as she takes us back in time to reflect on a little over ten years working as a data scientist. One of the many renegade PhDs who joined the fledgling field of data science of the 2010's, Rebecca will share lessons learned the hard way, often from watching data science projects go sideways and learning to fix broken things. Through the lens of these canon events, she'll identify some of the anti-patterns and red flags she's learned to steer around.

[VCOSA] Monthly Report - Cotton & Yarn Statistics May 2024

Vietnam Cotton & Spinning Association

We are pleased to share with you the latest VCOSA statistical report on the cotton and yarn industry for the month of May 2024. Starting from January 2024, the full weekly and monthly reports will only be available for free to VCOSA members. To access the complete weekly report with figures, charts, and detailed analysis of the cotton fiber market in the past week, interested parties are kindly requested to contact VCOSA to subscribe to the newsletter.

一比一原版英国赫特福德大学毕业证（hertfordshire毕业证书）如何办理

nyvan3

原版一模一样【微信：741003700 】【英国赫特福德大学毕业证（hertfordshire毕业证书）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。本公司拥有海外各大学样板无数，能完美还原。 1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700 【主营项目】一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 如果您处于以下几种情况： ◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】 ◇面对父母的压力，希望尽快拿到； ◇不清楚认证流程以及材料该如何准备； ◇回国时间很长，忘记办理； ◇回国马上就要找工作，办给用人单位看； ◇企事业单位必须要求办理的 ◇需要报考公务员、购买免税车、落转户口 ◇申请留学生创业基金留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才办理英国赫特福德大学毕业证（hertfordshire毕业证书）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。办理英国赫特福德大学毕业证（hertfordshire毕业证书）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：校徽：象征着学校的荣誉和传承。校名:学校英文全称授予学位：本部分将注明获得的具体学位名称。毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。办理英国赫特福德大学毕业证（hertfordshire毕业证书）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。综上所述，办理英国赫特福德大学毕业证（hertfordshire毕业证书）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。

How To Control IO Usage using Resource Manager

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Econ3060_Screen Time and Success_ final_GroupProject.pdf

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一比一原版加拿大麦吉尔大学毕业证（mcgill毕业证书）如何办理

agdhot

原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证（mcgill毕业证书）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。本公司拥有海外各大学样板无数，能完美还原。 1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700 【主营项目】一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 如果您处于以下几种情况： ◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】 ◇面对父母的压力，希望尽快拿到； ◇不清楚认证流程以及材料该如何准备； ◇回国时间很长，忘记办理； ◇回国马上就要找工作，办给用人单位看； ◇企事业单位必须要求办理的 ◇需要报考公务员、购买免税车、落转户口 ◇申请留学生创业基金留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才办理加拿大麦吉尔大学毕业证（mcgill毕业证书）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。办理加拿大麦吉尔大学毕业证（mcgill毕业证书）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：校徽：象征着学校的荣誉和传承。校名:学校英文全称授予学位：本部分将注明获得的具体学位名称。毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。办理加拿大麦吉尔大学毕业证（mcgill毕业证书）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。综上所述，办理加拿大麦吉尔大学毕业证（mcgill毕业证书）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。

Do People Really Know Their Fertility Intentions? Correspondence between Sel...

Xiao Xu

Fertility intention data from surveys often serve as a crucial component in modeling fertility behaviors. Yet, the persistent gap between stated intentions and actual fertility decisions, coupled with the prevalence of uncertain responses, has cast doubt on the overall utility of intentions and sparked controversies about their nature. In this study, we use survey data from a representative sample of Dutch women. With the help of open-ended questions (OEQs) on fertility and Natural Language Processing (NLP) methods, we are able to conduct an in-depth analysis of fertility narratives. Specifically, we annotate the (expert) perceived fertility intentions of respondents and compare them to their self-reported intentions from the survey. Through this analysis, we aim to reveal the disparities between self-reported intentions and the narratives. Furthermore, by applying neural topic modeling methods, we could uncover which topics and characteristics are more prevalent among respondents who exhibit a significant discrepancy between their stated intentions and their probable future behavior, as reflected in their narratives.

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Four risk scoring options to help modernize b2b credit approvals

1. 1 © Experian 22/04/2020 Sip and Solve Four risk scoring options to help modernize B2B credit approvals Featuring: Erikk J. Kropp Senior Product Manager Experian Business Information Services

2. 2 © Experian Path to modernization Credit Risk Data - Commercial - Consortium - Blended / Owner - International Data Risk Scoring - Generic - Judgmental - Custom Model Instant Decisioning - Decision Actions - Credit Limits - Audit Trails - Manual Overrides - Real-time / Batch Application Processing - Online Form Hosting - Digital Form Storage - Workflow Processing - Response Messaging System Integration - APIs - CRM / ERP Aps - Mobile Aps (iOS, Droid) - Aging Synchronization Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

3. 3 © Experian Why score-based automation? Key Impacts: • Quickly assess risk and take action • Reduce dependency on manual reviews • Increase consistency and objectivity • Focus resources on medium risk, high balance Decline 10% of applicants 50.82% bad rate Approve 10% of applicants 1.25% bad rate Manual Review 80% of applicants 8.04% bad rate Sip and Solve: Four risk scoring options to help modernize B2B credit approvals Analysts AutomationAutomation

4. 4 © Experian 1. Generic scores Development: • Statistical-based • All-industry Purpose: • Define probability of a specific outcome or “bad definition” – Severe delinquency – Bankruptcy, default, failure Advantages: • Easy to access and implement (off-the-shelf) • Comprehensive data sets Challenges: • Usually limited to credit attributes • Compatibility Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

5. 5 © Experian 2. Judgmental scores Development: • Judgment-based (experience of credit executive) • Attributes, weightings, scaling is hand-picked Purpose: • Rank order accounts based on perceived risk Advantages: • Highly configurable • Can include non-credit attributes – Financial statement ratios (large customers) – Portfolio / aging attributes (existing customers) Challenges: • Manual calculation (worksheet, spreadsheet) • Decisioning software to automate calculation (extra cost) Sip and Solve: Four risk scoring options to help modernize B2B credit approvals ATTRIBUTE 1 WEIGHT SCALE POINTS Years in File 20% <= 2 YEARS 0 3 ‐ 5 YEARS 2 6 ‐ 10 YEARS 5 11 ‐ 15 YEARS 8 15+ YEARS 10 (2) ATTRIBUTE 2 WEIGHT SCALE POINTS Intelliscore Plus 40% 1 ‐ 10 IPV2 0 11 ‐ 25 IPV2 2 26 ‐ 50 IPV2 5 51 ‐ 75 IPV2 8 76 ‐ 100 IPV2 10 (4) ATTRIBUTE 3 WEIGHT SCALE POINTS Financial Stability Risk Score 40% 1 ‐ 3 FSR 0 4 ‐ 10 FSR 2 11 ‐ 30 FSR 5 31 ‐ 65 FSR 8 66 ‐ 100 FSR 10 (4) SCORE SCALE DECISION DECISION RATING 0 ‐ 2.0 POINTS DECLINE E ‐ HIGH RISK 2.1 ‐ 4.0 POINTS MANUAL REVIEW D ‐ MED ‐ HIGH RISK 4.1 ‐ 6.0 POINTS APPROVE C ‐ MED RISK 6.1 ‐ 8.0 POINTS APPROVE B ‐ MED ‐ LOW RISK 8.1 ‐ 10.0 POINTS APPROVE A ‐ LOW RISK

6. 6 © Experian 3. Custom model scores Development: • Statistical-based • Business / portfolio specific Purpose: • Define probability of client specific outcome or “bad definition” – Severe delinquency – Bankruptcy, default, failure Advantages: • Highly predictive • Optimal business application Challenges: • Cost • Implementation time Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

7. 7 © Experian 4: Deploy scores for portfolio management Portfolio Scoring • Apply risk scores to entire account portfolio • Run segmentation and trend analysis to spot risk • Take action accordingly to limit back-end exposure or to increase sales capacity. • Highly efficient and cost effective Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

8. 8 © Experian Parting thoughts • Know your options and comfort level • Be realistic with expectations • Seek the right partner(s) – Flexible – Best interests in mind Sip and Solve: Four risk scoring options to help modernize B2B credit approvals

9. 9 © Experian 22/04/2020 Thank you! Have questions or want to learn more about B2B risk scoring options? • Chat with us: bit.ly/sip-solve-chat Upcoming Sip and Solves - • Join the list to stay in the loop: bit.ly/sip-and-solve

Four risk scoring options to help modernize b2b credit approvals

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