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Enterprise Credit Risk Management

A significant and growing problem for organizations today is the loss of revenue through bad debt (i.e. non-payment for goods and services received). The use of advanced technology can provide valuable support to existing in-house screening policies and credit agency checks. Credit.Eye our leading and awarded solution supports the CFO and CRO to balance risk and opportunity.

ICAP Credit Risk Management solution assists organizations to both assess prospective customers for credit risk at application stage and to predict and manage payment risk throughout the customer lifetime. ICAP Group is the leader in Credit Risk Rating and Information the only company in Greece recognized by the Bank of Greece as an External Credit Assessment Institution (ECAI) in regards to the Regulatory Framework of Basel II. Moreover, it is one of a few in Southeastern Europe that was approved by the European Securities and Markets Authority as Credit Rating Agency (CRA).

Our Credit Risk Management Platforms and Services combine ICAP Group’s commercial and financial data for companies in Greece and abroad – your partners with your partner history and transaction behavior data, allowing your organization to know your clients’ and other interest groups’ behavior in depth and therefore mitigate credit risk.


Managing credit risk at application stage

ICAP Credit Risk Management solution enables organizations to assess each prospective customer for creditworthiness. It does this using neural predictive analytical models, which are created using an organization’s own historic data to ensure they are highly relevant and accurate. Scores are produced which indicate a prospect's propensity to pose a credit risk, helping organizations to make informed decisions about which customers to accept and on what terms.


Managing credit risk throughout the customer lifecycle ICAP Credit Risk Management solutions enable organizations to set initial credit limits that are individual to each customer or partner. Over time, a profile begins to form regarding customers' spending and payment habits. This information is used to automatically adjust customers' credit limits in line with their behavior, e.g. 'good' customers are rewarded with higher credit limits. This helps to increase both profits and customer loyalty.

Alerts are generated when customers exceed, or are predicted to exceed, their credit limit.

ICAP Credit Risk Management solution can be deployed at the customer site or accessed via the Cloud.

Credit.Eye is an advanced Credit Risk Policy Management solution which calculates credit risk exposure in real time and allows the credit officer to balance risk and opportunity. Credit Risk is calculated based on:

• the payment behavior current and past,

• qualitative information and

• any external source credit rating like ICAP’s

Advanced analytics and business intelligence techniques provide information on credit risk exposure, bad debt estimations, cash flow prediction, credit risk concentration info, etc.

About us

ICAP Group – with 1.300 employees – is the largest Business Information and Management Consulting Group in Greece, with a strong presence in Southeastern Europe.

At ICAP Consultants, our vision is to become the recognized regional leader in Business Consulting enabled by Technology and Business Analytics. Our strategy relies on uniquely combining a superior industry-focused business consultative approach, consumer & business data, analytics and data integration technology solutions. Our unique and innovative solutions differentiate our customers and provide them a competitive advantage.

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