Assessing the creditworthiness of customers is a key factor in limiting non-payment and securing cash flow. A company that grants too much credit to a fragile customer exposes itself to significant financial losses. This is why credit managers and CFOs use scoring and monitoring methods. Excel remains a simple and effective tool for getting started. To support you, we offer a free, ready-to-use Customer Risk Management Excel template.
Why assess customer risk?
Every customer presents a greater or lesser risk of non-payment. Assessing this risk helps you decide how much credit to grant and what payment terms to apply. Clear scoring helps to avoid unpleasant surprises and to identify customers who need to be closely monitored.
For example, a customer with a history of frequent delays or a fragile financial situation should not benefit from the same conditions as a reliable customer. Without this assessment, the company runs the risk of incurring losses.
Practical example in Excel
Our Customer Risk Management Excel template offers a simple scoring system. It takes into account several criteria: financial situation, payment history, sector of activity and business volume.
Example: an SME can assign a score from 1 to 5 to each criterion. A strong customer scores high, while a weak customer scores low. The model calculates an overall score and suggests an appropriate credit limit.
Founded in 2011, ASTON AI, voted Fintech of the Year 2015, has revolutionized the receivables management market in ten years by offering a high-performance, simple, comprehensive and innovative platform. ASTON AI platforms benefit from 10 years of continuous technological development and an in-house R&D department dedicated to digital services.
Download our Customer Risk Management Excel template
The Excel file is designed for immediate use by credit managers and CFOs. It includes :
- A scoring table based on several risk criteria.
- Automatic calculation of the overall score per customer.
- A comparison between actual outstanding loans and assigned credit limits.
Download the Customer Risk Management Excel template now and secure your receivables.
How do you define credit limits?
Assigning a credit limit involves setting the maximum amount of receivables a customer can have outstanding. This limit must be adapted to the customer’s financial capacity and payment history.
For example, a customer with a high risk score may have a lower credit limit (e.g. €10,000), while a reliable customer may have a higher limit (e.g. €50,000). This practice greatly reduces the risk of non-payment.
Excel's Limitations and the Aston AI Alternative
Excel is handy for initiating a scoring approach, but it remains limited. Updates are manual, and it is difficult to integrate external information such as public financial data or real-time payment behavior.
With Aston AI, you benefit from SaaS software that centralizes customer data, integrates AI-based predictive scores and alerts credit managers to increased risk. So you can move from reactive to proactive customer risk management.
Take the next step with Aston AI
The Customer Risk Management Excel template is the first step in structuring your analysis. But for a complete, real-time view, discover Aston AI: a SaaS solution that automates tracking, analyzes payment behavior and secures your collections.
Request a free demo today.
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