SAS^® Credit Scoring

Any enterprise that relies on faithful, regular payments from customers knows that there is credit risk inherent in each customer account. Managing this risk is a delicate balancing act – assuming too much risk leads to bad debt, not enough risk means lost opportunities for revenue growth. Success depends on maximizing income from customers while reducing the impact that defaulted payments and bad debt have on the bottom line.

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To achieve this goal requires that businesses implement a system for evaluating the credit worthiness of current and potential customers. Such credit scoring systems are valuable not only for curbing bad debt but for identifying possible cross-sell opportunities or alternative methods of payment that will reduce risk while maintaining revenue from certain customers.

Many businesses lack the companywide access to data that is required for accurate credit scoring and therefore turn to external credit modeling services. These services can be slow to implement and slow to adapt in an ever-changing marketplace, however, making them unlikely to deliver a true competitive advantage.

SAS Credit Scoring provides a solution designed to help you more accurately develop and track credit risk scores in-house, thereby reducing business risk, maximizing revenue opportunities and providing better services to customers.

Our credit scoring solutions combine award-winning data warehousing and analytics, consulting services, and industry-specific data architectures to allow you to:

• Maintain a continuously improving credit scoring process in-house.
• Provide faster, cheaper, more flexible credit assessments.
• Customize the scoring process and respond quickly to changing demands.
• Minimize credit risk and maximize profitability.