Increase your sales profitably
At CRC we help our clients to sell more and more profitably, helping to make better trade credit decisions: increase sales to good risks, identify new opportunities, know the doubtful risks to control or insure them, and limit or interrupt sales in the case of deficient risks.
Finding the optimum balance between sales increase and reduction of delinquency rates is key to the profitability of a company. The cost of the CRC service not only pays for itself but helps increase profits once implemented.
Better credit decisions
We help our clients to take the best credit decisions by combining external information with internal information available to the company itself through its trading experience and commercial network.
We integrate multiple sources of information and risk monitoring in more than 100 countries, and we provide a proactive approach and a global vision of the risk portfolio to make the best credit decisions that maximize your sales with security and profitability.
Support to the credit decision maker
CRC offers personalized risk management support to the Credit Manager, Financial Director or Credit Risk Committee.
Through the analysis and monitoring of the risk of the client portfolio, the opinions of an experienced senior analyst -accepted by main insurers for their rigor and reliability-, the in-depth analysis of doubtful cases, and the establishment of management procedures and credit policies, we are the best ally for the company's credit decision maker.
Credit Analyst
Credit Analyst is the software platform developed by CRC and designed for the credit analyst and decision-maker, which allows a complete access -from anywhere- to all monitoring, analysis and reporting of the risk portfolio. Credit Analyst is a customizable platform that allows the integration of internal and external information as well as the relevant elements of the credit policy.
It is essential for correct credit decision making that the company builds its own information database that can be shared between the different decision levels.
About us
CRC (Credit Risk Classification Group) is a company founded in 2013 after the union of various prestigious professionals with proven experience in the areas of financial analysis, credit management, credit insurance, banking and information systems, with the aim of providing services and personalized support for the company's credit decision makers.
We collaborate with top-level companies, in different sectors of activity (such as food, distribution, chemicals, automobile, building materials, industrial, services, etc.), always in a personalized way adapted to the specific needs of each client.
Our values
Quality
We offer the best personalized service through the training of our team, constant research and innovation in our services.
Implication
We work very closely, in a coordinated way and in permanent communication with our clients. We want to be one of the team.
Adaptability
We understand the specific problems of each of our clients and adapt our solutions to their specific needs.
Independence
We advise and manage risks for our clients independently and integrating our client perspective and problems regardless of any other interest.
Services
Monitoring | Recommendation | Credit Analyst | Commercial Prospecting | Due Diligence | Procedures optimization
A complete personalized support service for the company's risk decision maker, whether it is the Credit Manager, the Financial Director or the Risk Committee
Credit risk is a living element, which exists throughout the entire relationship with a client; that is why a static analysis such as that provided by a trading report makes little sense.
CRC offers active monitoring of the credit risk of each of your clients so that you know the reality and the possible risks of them at any given time.
The CRC account manager actively monitors the portfolio and recommends credit limits with the perspective of an internal manager.
Our system allows integrating internal elements in the decision model such as:
- Inicident history
- Commercial and strategic assessment
- Profitability
The information is accessible online at all times and can be integrated into our customer systems.
Periodic work sessions are held between the company and CRC for monitoring, in-depth analysis and application of better portfolio policies.
This service is applicable to companies with sales both in the domestic and export markets, and regardless of whether they have contracted a trade credit insurance policy.
Benefits:
- Control and reduction of delinquency
- Increased profitable sales
- Optimized credit risk management based on a portfolio approach
Structured and informed credit decisions to foster profitable growth.
For the recommendation and / or approval of credit limits we have a team of senior analysts who are experts in different sectors and markets and who rely upon a combination of external information about the risk and the sector, internal information structured in possession of our client, and direct contact with the risk when necessary. All this is the basis of a well-founded and independent credit opinion but with the perspective of an internal manager.
We have local information sources in more than 100 countries. We rely on our own predictive and risk acceptance models, although always in combination with the expert assessment of our analysts and adapting the depth and analysis model to each specific problem.
Benefits:
- Minimize credit risk
- Structured and homogeneous credit decisions
- Optimization of sales function by focusing on focus on low-risk, high-potential customers
- Support for insurance and self-insurance programs: Our informed credit recommendations are consistently accepted by various credit insurers.
Online platform for access and management of information and decisions on the risk portfolio, designed by and for the credit decision makers.
At CRC we understand the enormous value that an internal, proprietary information platform on trade credit risks and commercial prospects containing all up-to-date information and historical decisions brings for the company and for its proactive commercial policy.
Credit Analyst is CRC's internal risk analysis, evaluation and monitoring , which we make available to our clients in order to optimize communication between our clients and CRC and also between the different departments of our clients. In this way we share relevant and up-to-date information about the risks, integrating in turn the relevant elements of the company's own risk policy.
Through Credit Analyst we have access to all the monitoring information on the risk portfolio, permanently updated by CRC but also by the company itself:
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Commercial information
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Economic and financial analysis
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Market information
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Internal, quantitative and qualitative information
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Risk assessment and predictive algorithms
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Substantiated credit opinions and history of decisions
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Personalized reporting
Credit Analyst is a 100% online platform that does not require the installation of local components, fully customizable and accessible from any computer or mobile device.
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Active monitoring.
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Integration of all the relevant information for making commercial and risk decisions.
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Facilitates structured and homogeneous decisions.
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Knowledge base of high value for the organization.
Support for commercial expansion in new products / markets
The launch of new products or the opening of new markets requires, especially in the case of exports, in-depth and specific knowledge of specific markets, their competitive and regulatory conditions and who the main players are, the level of trust that we can grant to the prospects and the growth potential they can bring.
We combine our global risk screening and analysis capabilities with our network and knowledge of numerous countries to support business expansion efforts, providing a comprehensive analysis and assessment of:
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Market situation and opportunity
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Regulatory environment
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Identification and analysis of potential customers / business partners
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Assessment of risk, potential and market positioning
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Initial contacts
Benefits:
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Safe business expansion
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Sales effort optimization
For mergers and acquisitions operations.
In determining the valuation of a company, it is essential to have an thorough analysis of the risk portfolio to know the type of trade credit risks, their concentration, and their risk of insolvency.
CRC carries out an in-depth study of the risk portfolio that includes:
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In-depth analysis with qualitative aspects of buyers
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Risk portfolio map
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Analysis of historical and expected delinquencies; recommendations for risk mitigation.
Design, optimization and implementation of the company's credit management procedures.
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Assessment of the current situation: current credit policies, established procedures and organizational structure
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Recommendations on risk policy, procedures, KPIs
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Implementation and monitoring
Benefits:
