In a rapidly changing business environment, the ability to act on changing customer risks and predict the financial behaviour of future customers is essential.
Protect and grow your business with Dun & Bradstreet’s automated risk decisioning tools, scores and integrated management solutions.
Monitoring and alerts
Receive notifications when information about your customers and suppliers change, including their risk score, director details and company registration status.
Available through Dun & Bradstreet’s powerful risk management platform, DNBi, our monitoring solutions allow you to make decisions based on proactive alerts that are fully customisable to your risk appetite.
Remove subjectivity and speed-up your credit assessment process with automated decisioning tools that drive smarter customer acquisition, improved retention, fewer errors and reduced costs.
We will work with your business to develop scorecards and models for key credit decisions covering:
Accept and decline
Utilise the information collected during the credit application process, such as personal details, credit files and customer verification data, to inform decisions on whether to accept or decline a customer, and under what credit conditions.
Leverage payment history data to support ongoing customer management decisions, such as identifying customers for collections activity, marketing campaigns and ‘on the spot’ authorisation.
Identify which applicants, at either end of the application process or during account review periods, are most likely to use a high amount of credit
Churn and profitability
Identify which of your applicants are most likely to remain on the books, those which will move on quickly and undermine the cost of acquisition, and those which are likely to be the most profitable.
Business risk scores
Dun & Bradstreet's predictive scores provide a deeper and more reliable insight into a business's risk profile, so you can make informed decisions to reduce credit risk and maximise opportunity.
Incorporated into our powerful risk management platform, DNBi and available as part of Dun & Bradstreet’s company reports, the business risk scores cover failure risk, late payment risk and small business risk.
Applied to more than three million credit active entities in Australia and New Zealand, the Failure Risk Score provides immediate insight on whether an entity is likely to seek legal relief from its creditors or cease operations without paying all its creditors in full in the next 12 months.
The legal events which constitute a failure include:
- forced change of control (e.g. receiver manager, administrator or controller appointed)
- forced business closure (e.g. insolvency or liquidation)
- involuntary deregistration.
With coverage on approximately two million businesses, the Failure Risk Score forms a critical component of your risk management process.
This score predicts the likelihood of delinquent payment over the next 12 months and benchmarks the behaviours of firms against their industry peers, enabling the identification of high risk customers at the outset of a credit relationship and the early detection of risk throughout the customer lifecycle.
The score assesses the likelihood of delinquency based on:
- company demographic information
- trade payment information that is unique to Dun & Bradstreet
- executive information
- public record information.
Avoid the risk of severely late payments, with Dun & Bradstreet’s advanced statistical modelling and analysis.
One of the biggest challenges facing small business in Australia is access to mainstream credit, largely the result of an inability of credit providers to adequately assess and price small business risk.
Previously, it has been nearly impossible to appropriately assess small business risk as small businesses are often indistinguishable from their owner – the commercial and consumer entity are the same.
The Small Business Risk Score (SBRS) gives credit providers the ability to engage with a previously untapped market of credit worthy, and potentially credit hungry, small businesses.
This statistically-based score combines both consumer and commercial information to provide a complete representation of an unincorporated entity.
The score predicts the likelihood of a credit active unincorporated entity, entering bankruptcy within the next 12 months, and considers key factors including, business-to-business trade payment data, the time since the last consumer default, and the volume of credit enquiries.
Maximise the opportunities available from Australia’s more than 1,000,000 unincorporated entities, with Dun & Bradstreet’s SBRS.
D&B's risk scores provide a deeper and more reliable insight into a business's risk profile, enabling you to make more informed decisions that reduce risk and maximise opportunity.
To interpret D&B's Failure Risk Score, Late Payment Risk Score and Small Business Risk Score, view the risk scores and ratings tables.