Credit Risk Management

Grow your customer base whilst minimising credit risk

Industry analysis suggests that defaulting customers cost mobile operators an average of 5% of total billed usage.

Telecoms operators face the constant challenge of meeting customer acquisition targets whilst managing the risk of providing subsidised handsets, which can be present for up to 12 months following activation. Furthermore, there is a requirement for ongoing usage and payment monitoring in order to establish the value (or indeed risk) of a subscriber.

The MinotaurCloud Credit Risk Management Solution offers both new application assessment and post activation monitoring through the utilisation of a range of product features, including:

• Application scorecards
• Calculation of overall customer exposure (outstanding bills, unbilled usage, subsidies etc.)
• Dynamic credit limit allocation based on usage/payment behaviour and customer segment
• Tolerance for high and low risk subscribers

Alerts are generated and presented to a case management user interface when certain configurable criteria are met, for example:

• Overdue bill
• Credit limit exceeded
• Predicted credit limit exceeded
• Payment arrangement broken

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