Overview
Credit Risk Management has been traditionally focusing on acquiring the right set of customers and on pursuing delinquents after they have not paid their bills for a specific number of days. While these activities are important, many Telcos need to plug the loopholes in their credit risk management exercise by monitoring the ongoing usage of subscribers. Usage monitoring can provide significant clues to the risks associated with subscribers. Operators can thus detect risk early and reduce their exposure to risks resulting from subscriber defaults.
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ROC® Credit Risk Management
ROC Credit Risk Management System empowers operators to continuously assess and mitigate risk presented by subscribers throughout their lifecycle.
It tracks risk in near real-time during:
- Subscriber acquisition
- Ongoing usage
- Collections and recovery
ROC Credit Risk Management provides the operator with a holistic view that helps in understanding a subscriber's risk profile and thereby aids risk management. Further, it can quickly and seamlessly accommodate new service information to provide an accurate picture of the exposure at any point in time.
ROC Credit Risk Management allows the operator to easily and quickly define various risk indicators and controls, and to adapt to local, cultural, and regulatory requirements. It also enables the operator to stay agile in the ever-changing socio-economic conditions that affect the overall level of risk in a region.
Benefits
- Slash bad debt
- Improve debtor turnover ratio
- Improve subscriber experience
- Trim operational expenses
