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Global Limits Manager

A highly effective trade credit limit management platform.

Global Limits Manager is a trade credit limit management facility designed to set and maintain customer credit limits using live sales ledger data. This is supplemented where necessary with status agency information.

Product Details

Global Limits Manager is a simple to use, yet highly effective credit limit management platform designed to be used in conjunction with a trade credit insurance policy. This delivers the combined benefits of credit limit certainty, simplified administration and the potential for reduced credit limit costs.

This provides credit limit certainty both above and below a discretionary limit. The systematic inclusion of customer trading experiences in credit limit management means credit decisions are based on the most up-to-date information available, including easily overlooked key warning signs buried deep in ledger data.

Suitable for businesses with an annual turnover between £10m and £50m.

How does it work?

Global Limits Manager works by taking a regular feed of all customer details, open & closed invoices and payments & credits from a sales ledger system. It then uses this data to score customer trading relationships and to establish trading experience-based credit limits.

Where trading experience alone cannot justify the required customer credit limit, it can be supplemented with weekly updated status agency data from Experian or D&B or can be manually overridden with internal credit decisions.

Trading experience directly influences the value of customer credit limits, so expect higher credit limits on strong customers who pay promptly and lower credit limits on more delinquent customers.

Providing a regular feed of data from a sales ledger system is easy and can either be achieved automatically through installation of a secure data extractor or manually by self-extracting the data in a specified format and sending it to us. Either way, the first data download provides a 12 month trading history enabling validation of all ledger customer records against a third party status agency database. It also establishes accurate trading experience scores and credit limits from day one of Global Limits Manager use.

Whether reporting externally to AIG, or internally for credit management purposes, Global Limits Manager helps automate the identification of overdue accounts. It will regularly prompt for updates to credit control actions on delinquent customers and will record all credit control actions for compliance purposes. Electronic overdue reports can be delivered automatically to chosen recipients.

Consolidated data view

The ability to process customer ledger data from multiple sources enabling a consolidated view of aggregated customer risk across different subsidiaries, product lines or ledger systems.

Quick identification of customer changes

Credit limit management for all customers, large or small, worldwide. Monitors your customer portfolio and helps to quickly identify those customers whose trading circumstances might be changing or those customers who are showing increasing signs of delinquency.
 

Simplified reporting

Simplified overdue and adverse information reporting, ensuring policy compliance.

Captive programmes

An effective tool for Captive programmes providing portfolio management on self-insured bad debt reserves.
 

Benefits

Profitability

Global Limits Manager can significantly improve bottom-line profitability for many companies by:

  • Reducing the cost of credit limit management by setting a greater proportion of customer credit limits on trading experience only.
  • Reducing the cost of credit delinquency by identifying those accounts that consistently pay late, and thereby allowing more targeted collections action or account contract renegotiation.
  • Reducing the cost of bad debts by identifying riskier accounts, identifying over-trading accounts and by using customer risk intelligence to manage deteriorating trading relationships.
  • Enabling a more focused sales approach by highlighting the less risky accounts with available credit lines.
     

Vigilance

Week in, week out, Global Limits Manager monitors your customer portfolio and helps quickly identify those customers whose trading circumstances might be changing or those customers who are showing increasing signs of delinquency.

Using its impressive ability to consistently process large amounts of customer related data, Global Limits Manager’s built-in system of alerts and automated reporting might just provide that vital piece of customer risk intelligence that helps you successfully manage your way out of a deteriorating trading relationship before it’s too late.

Intelligence

Who are my riskiest customers? Who are my most delinquent customers? How much does it cost me to trade on credit terms? Where am I over-trading? Which accounts are deteriorating? Global Limits Manager will tell you.

The systematic inclusion of customer trading experiences in credit limit management means credit decisions are based on the most up-to-date information available, including easily overlooked key warning signs buried deep in ledger data.

Global Limits Manager’s ability to process customer ledger data from multiple sources enables a consolidated view of aggregated customer risk across different subsidiaries, product lines or ledger systems.
 

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