Section 2

For Energy/Utilities

The complete software platform covering the end-to-end credit value chain with built-in best practice for effective credit and risk management.


  • Build up/improve credit management
  • Reduce cost of credit
  • Increased competition
  • Enhance customer service & responsiveness
  • Improve operational efficiency

Strategic Responses

  • Credit Management focus
  • Improve the customer experience
  • End-to-end credit processes, policies and systems
  • Proactive & effective customer management

The Platform for the CRIF Credit Framework

  • Complete credit lifecycle management platform with domain expertise built-in
  • Technology with innovation & success story track record
  • Rated best-in-class by independent research
  • Modular design so you choose what you need, from pre-defined to custom solution
  • Flexible & scalable technology supporting any deployment options from single on-site installation to cloud / service with tools to develop applications quickly & securely
  • Adapt & optimize to fit your business model, needs & budget
  • Provide decision and execution management systems
  • Achieve automated, paperless end-to-end processes for:
    • Consumer
    • Anychannel
    • Corporate
    • Anygeography
    • Small & Medium Enterprises(SME)

Functional Areas

Governance & Reporting

  • Embedded alerts and guidelines to align operational decisions with strategic goals
  • KPI monitoring & fine tuning to track progress and take action
  • Modify decision-making according to goals
  • Reporting & analyticsto deliver insight
  • Support audits & compliance mandates



  • Comprehensive view of customer 
  • Understand customer behavior and preferences
  • Sales tools with simulation, pre-screening & pre-approval
  • Identify the most suitable offer
  • Offer management & campaigns
  • Product customization supporting a wide range of products to cross/upsell



  • Straight-Thru-Processing from Engagement through Decisioning & Contract Set-up
  • Simplify & reduce response times through smarter & integrated processing
  • Real-time customer verification

Debt Collection & Recovery

  • Maximize ROI by minimizing unpaid debts
  • Take quick and right actions
  • Manual & automated action follow-through from early to late collection & recovery
  • Customer centric approach
  • Optimize internal & external resources, including agencies

Advisory Expert System

  • Automatic financial & economic analysis
  • Accurately anticipate risks
  • Improve employees’ decision-making—and business results
  • Intelligent insights to guide relationship manager to thoroughly & quickly assess risk
  • Improves customer engagement through the approvalprocess

Price Optimization

  • Analyze potential risk & profitabilite
  • Multiple pricing options to meet customer demands
  • Apply predictive analytics and algorithms

trategies & Decision Management

  • Data analysis & segmentation
  • Credit analysis to improve credit decisioning & risk management
  • Predictive analytic models configured or imported via PMML
  • Automatic scoring & decisioning
  • Business users design, configure & fine-tune complete decision strategies including policies, rules, calculations and models
  • What-if & Simulation, Champion / Challenger

CRIF Data Model

  • Pre-defined, consolidated credit risk data store
  • Achieve a single view of the customer
  • Sound data governance and management discipline policies
  • Managing and organizing data for actionable business analytics and decision-making
  • Data quality & error reduction
  • Integrated Business Intelligence

Front End & Process Management

Intuitive & configurable user interfaces with workflow to guide users and improve productivity

  • Multi-channel and mobility 
  • End-to-end automation & streamlining
  • Track, measure & report
  • Compliance readiness with complete process governance
  • Built-in audit readiness, tracking who-did-what-when
  • Processimprovement to simplify & reduce responsetimes
  • Graphical tools configuration and change management

The complete software platform covering the end-to-end credit value chain with built-in best practice for effective credit and risk management.

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