Global mobile advertising technology company enhances credit risk evaluation

D&B automated credit limit decisions for the client by developing a Behavioral Credit Risk Scorecard and a custom Credit Limit Assignment Model. This enabled consistent, data-driven risk segmentation using account receivables and D&B data.

Challenges faced by the client

The client faced a challenge of inefficient and inconsistent credit decision-making due to a high volume of manual reviews for credit limit increase requests, lacking a standardized, data-driven approach to assess customer creditworthiness and manage risk effectively.

Internal challenges

The client faced operational inefficiencies due to a manual and inconsistent process for reviewing credit limit increase requests, which hindered scalability and slowed down decision-making.

External challenges

Externally, the client lacked a structured approach to integrating external financial data with internal sources, which limited their ability to automate risk evaluations and generate informed credit limit recommendations.

How D&B helped?

D&B played a crucial role by providing comprehensive external financial data—such as payment history, credit scores, and company profiles—which was integrated into the credit risk model. This enriched the internal data with broader market insights, enabling the company to more accurately assess customer creditworthiness, segment risk profiles, and assign credit limits that aligned with each customer’s financial behavior and risk level.

Key learnings

• Accurate Database Creation for Operational Efficiency
• Data Quality Checks
• Better Data Governance