SAS^® Credit Customer Management

Manage your existing customers' credit portfolio: mitigate risk, protect profits and unlock growth potential

Smarter credit management: Reduce risk & boost growth

Detect, prevent and manage risk across the entire customer life cycle with a cloud-native, next-generation solution for pre-approvals, credit line management, early warning signals, collections and recovery.

Why choose SAS for credit management?

Proactively optimize your portfolio with integrated models and strategies. Effectively manage credit risk while delivering a seamless customer experience. Our solutions support the entire analytical life cycle for credit customer management, empowering financial institutions to enhance risk assessment, improve decision-making and drive profitability.

Reduce exposure and increase profitability by managing the credit life cycle

Minimize exposure by implementing targeted strategies for credit line management, early warning and collections throughout the credit life cycle. Our solution integrates advanced analytics and monitoring capabilities to track the performance of strategies and models effectively.
Optimize your collections strategy

Boost productivity and enhance KPIs with advanced optimization algorithms that identify the most effective debt collection strategies. Monitor performance in real time using integrated dashboards to maximize recovered amounts while optimizing budget and resource allocation.
Enhance collections negotiations with agentic AI

Use AI-driven negotiation strategies to improve debt collection outcomes. By integrating rules-based decisioning, dynamic prompts and LLM orchestration, collectors receive real-time insights and optimized negotiation scripts, leading to more effective interactions and improved recovery rates.
Define behavioral models with an intuitive interface

Develop AI/machine learning-powered behavioral models through our user-friendly interface. Compare different modeling techniques, review performance metrics and seamlessly deploy models in batch or real-time environments.
Identify early warning signals before accounts enter collections

Combine data from multiple sources – including third-party integrations – to set intelligent rules and real-time alerts that detect potential risks, enabling proactive action before accounts become delinquent.
Create dual matrices and segmentation trees based on customer profiles

Streamline decision making with advanced segmentation techniques. By combining customer characteristics, behavioral scores and credit bureau scores, you can assign targeted actions more effectively, optimizing risk management and customer strategies.

Enhance credit customer management: Reduce exposure & increase profitability

Credit customer management empowers risk professionals to evaluate entire portfolios and implement optimal strategies at different stages of the credit life cycle. Our solution supports data enrichment, risk segmentation, model integration, API-driven third-party communication and flexible rule definitions.

Maximize collections on delinquent accounts

Apply tailored collection strategies based on customer behavior patterns, ensuring alignment with budget and resource constraints.

Prevent customers from reaching the collections stage

Conduct regular portfolio reviews using early warning signals to trigger preemptive risk-reduction actions.

Increase profitability among your best customers

Enhance credit utilization with strategic credit limit management, fostering customer loyalty and long-term engagement.

Organizations of all sizes are working smarter with SAS

Providing better customer service and faster, more accurate loan processing

SAS helps Finland's top retail bank improve customer service, credit scoring and loan processing time with AI and automation.

Read the S-Bank story
Asian Bank increased cure rate by 10%

Using SAS Credit Customer Management, an Asian bank reduced high-risk accounts by 64%, leading to better allocation of collection resources and improved risk classification.
Making faster, smarter credit decisions while elevating customer experience

SAS empowers ABBANK to streamline loan application processing, reduce credit risk, improve data analysis and enhance productivity through automated risk management solutions.

Read the ABBANK story