- A6
- A · ERP-Integrated Operations
- Read-only ERP bridge
Credit-Risk Scoring & Limit Management
Scores dealer risk from payment behavior and recommends dynamic limits.
a credit controller who notices a customer starting to pay four days later than they used to, months before it becomes a bad debt.
The problem it solves
Credit limits are set once, when the account opens, and reviewed when something goes wrong. The gradual slide from paying on time to paying late goes unremarked until it is a write-off.
How it works
- The agent scores each account on how it actually pays: average delay, trend, and consistency.
- It watches for deterioration rather than absolute lateness, because the trend is the early signal.
- It flags accounts whose behaviour is worsening while their limit stays the same.
- It recommends limit changes in both directions; good payers earn room too.
What it does
- Builds payment-behavior scores.
- Flags deteriorating accounts.
- Suggests limit changes.
What it needs from you
- Payment history with document and settlement dates.
- Current credit limits per account.
I / O
- ERP payment history
- Risk scores, recommended limits
Works well with
Agents that read live ERP data through a strict read-only bridge. They can forecast, reconcile, score and draft; they physically cannot modify, overwrite or delete a production table.