In your business relations, you want to choose carefully with whom you expose yourself to risks, and you want to base your decisions on careful assessments. To do this, you need more than just the right information about current and prospective customers. For each type of risk, you need to be able to gauge economic, reputational, technological and regulatory scenarios. Our risk analytics service offers you the data, advanced analysis and scores that will improve your business results by optimising your costs and your customer management, minimising the risk of losses and maximising sales potential.

For decades, we have been developing advanced analytics models for all vertical analyses you can think of. Many years of experience, combined with Cerved’s vast data lake and tools, enable us to design the most suitable algorithms and set up custom projects one by one. Our teams of experts in statistics, artificial intelligence, machine learning, deep learning and data science all work together for you to calculate accurate scores based on solid, objective information such as income and balance sheet figures, sectors of business and payment patterns.

We base our process on a selection of variables that serve to pinpoint the specific set of criteria needed to solve your problems. We validate them by linking them together to monitor the status, by means of expected ROI simulations for each scorecard. This process ensures high-quality, rigorous results. You can evaluate whether a customer will be able to pay regularly, whether granting a loan might cause problems in the future, whether supplying a good or service matches the real needs of a customer, or whether legal action is the best way to maximise credit recovery value.