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RiskManager™ is Sinotrust's self-developed credit risk management system, which is a combination of our multi-year experiences of credit risk management, customer management and accounts receivable. RiskManager™ is an overall credit risk management solutions in line with the national conditions.
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Values for the enterprise:
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- Assist the integration of resources
- Keep the centralized control
- Satisfy the application at multi-levels
- Improve the work efficiency
- Reduce the credit risk
- Improve the decision-making
- Lower the cost
- Simplify the management
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Unique advantages:
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- Based on B/S structure; the client installation is unnecessary
- Fully supporting J2EE technical structure to meet the needs of internet-based application and deployment at enterprise level; adapting to the future development of information technology
- Outstanding data interface to support various data interface standards as well as the seamless connection with ERP, CRM and finance
- Powerful and flexible functions for statistics and analysis
- Quick and efficient task management function
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RiskManagerTM Provides The Overall Credit Management Solutions
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Customer Profile Management
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By integrating customer credit information, RiskManager TM helps organizations establish a company-wide customer database, and design an effective security mechanism of data collection, sharing and updating, in order to ensure the timely, complete and reliable customer data and supply solid data foundation for credit decisions.
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RiskManager TM divides customer profiles into three major categories, including customer basic information, customer credit information and customer financial data. Customer basic information consists of contact information, company profile, registration, shareholders, bank, staff, board of directors, family tree, self-definition and relevant documents. Customer credit information includes credit policy, accounts receivable, DSO, analysis of recovery and transaction records. Customer financial data include s balance sheet, income statement, cash flow and financial ratios, etc.
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In considerations of the customer operation convenience, the customer profile of RiskManagerTM provides good data interfaces. RiskManagerTM can automatically load Sinotrust’s credit reports into the system, including E-file data as EXCEL, XML, DBF and TXT. More importantly, RiskManagerTM offers seamlessly connected data interfaces with clients’ ERP, CRM and financial system, etc.
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Credit Decision-making Management
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RiskManagerTM Credit Decision-making Management refers to an integrated process management system on formulation, examination & approval and statistics of credit policy. It refers to the following services, including the choice of different rating models, credit policies, early warning policies and collection policies according to different clients, the development of customer credit rating, credit limit, credit period, early warning policies and collection policies, the examination on customer credit ratings, credit limit, credit period, early-warning policy, collection policy, as well as the statistics of customer credit rating, credit limit, and credit period.
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Accounts Receivable Management
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The monitoring system of accounts receivable is related to all aspects of risks such as the occurrence of credit, accounts receivable and overdue warning. RiskManagerTM conducts real-time monitoring on clients’ accounts receivables, credit limit and credit period by making analysis on aging of accounts, DSO and recovery of receivables, etc. in addition, combining with a variety of early-warning policy and collection policy, RiskManagerTM can guide the operator accurately and timely achieve the recovery of accounts receivable, lower accounts receivable overdue ratio, and reduce the incidence of bad debts in an efficient and quick manner.
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Model Policy Settings
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According to different enterprises, the characteristics of customer base, product or market characteristics, RiskManagerTM can help clients to develop a number of professional and targeted credit evaluation models and establish a full range of customer evaluation system. RiskManagerTM model of policy settings include the rating model settings, credit policies settings, early warning policy settings and collection policies settings.
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RiskManagerTM’s model policy setting can realize custom-made model policy via index selection, method for index scoring as well as powerful & convenient self-defined formulas, etc.
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Analysis of Customer Base
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Through the integration of Sinotrust’s many years experience in data management, RiskManagerTM can analyze from a variety of customers concerned points of view and dimensions, and support tables customization and charts features.
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Task Management
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RiskManagerTM helps users manage day-to-day affairs, including accounts receivable collection services, conference services and reporting services. It supports task tracking, task real-time reminders and task life-cycle management.
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