We expose the weak spots and optimise your accounts receivable management by drawing conclusions from the customer life cycle.

You lay the foundation for a "purchased" risk portfolio when you make a decision regarding the acceptance of an order or granting a loan, whereby credit standard checks and score procedures reduce the risk. However, your customers' creditworthiness and payment behaviour do not always remain the same during the "customer life cycle". Sometimes significant changes may occur which represent a considerable risk potential for you. Finally, payment defaults on debts that are extremely hard to collect may end up causing you real damage.

Advantage in time / addressing debtors correctly

Early recognition of changes in creditworthiness also has a significant influence in debtor management and collection: it is this information which enables the selective control of reminder activities and has a long-lasting influence on the chances for successful collection.

From the very beginning, our collection companies control the collection of assigned debts in accordance with economic criteria. Your accounts receivable are converted to differentiated collection processes. From the selection of a suitable process for determining the address, to an efficient rhythm for reminders and the correct salutation for your defaulting customer in a reminder: all of these factors have an (often underestimated) effect on response and, therefore, achievement rates.

Should out-of-court reminders remain unsuccessful, a cost-effective collection process becomes even more important. Carrying out the sequence control according to time and cost aspects is particularly decisive:

Cost-effective workflows

Our data from the field of information management that is currently relevant for creditworthiness supports optimal case processing from a cost-benefit perspective: when deciding whether cost-intensive measures for collecting assigned debts, such as enforcement, may be successful and should be carried out or whether they should not be carried out because there appears to be little chance for success. After all, if the costs are too high they will eat up even a large amount of money that has been received.

Optimising workflow times

Early recognition of changes in creditworthiness are also considerably important for optimal control of reminder activities. This savings in time enables us to increase the chances of collecting your debts.

arvato infoscore offers you the appropriate outsourcing solution in the fields of B2C and B2B.