REVOLUTIONARY CREDIT MANAGEMENT

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1 REVOLUTIONARY CREDIT MANAGEMENT The DUNSRight TM Difference DUNSRight is the most comprehensive and rigorous process that transforms business information yours and ours into decision-ready insight. It provides: A more complete, updated and consistent view of any business Comparative industry benchmarks of business performance The predictive likelihood of a business s future The DUNSRight TM Difference D&B UK and Ireland Marlow International Parkway Marlow SL7 1AJ T: +44 (0) F: +44 (0) marketinguk@dnb.com

2 Change, adapt, improve The pace of business is faster than ever, forcing organisations to constantly optimise processes in order to remain competitive. But continual improvement is only possible if your infrastructure gives you the flexibility to change. DNBi adapts readily to suit your evolving business needs. However you work, DNBi works with you. can drive profitability through better risk management. Transform ng cred t management Times have changed. So has credit management. Discover DNBi, and transform the way you manage risk. Customise for effectiveness Too much information is as bad as having too little. A truly efficient credit management system gives credit professionals the intelligence they need when they need it. With a customisable interface to reflect the specific tasks, requirements and authorisations of each individual, DNBi provides a shared workspace so that a department s roles, workflows and processes can be managed more effectively. Combined with real-time data and an audit trail that can document every decision, it breaks the mould and provides the most usable work experience of any credit management system. Pure, focused effectiveness. No more limits Do your people spend time sourcing information or dealing with it? Are they using reports? Do they have the freedom to be efficient, or is your system holding them back? DNBi is always live, giving you instant transparency across your company s entire credit risk portfolio. It is a single, complete, one-price, one-stop solution that frees you from the inefficiencies of ad-hoc report generation, and gives every credit professional the tools needed to reach new levels of effectiveness. DNBi lets you: Identify your risk online in an instant Understand exposure across your entire portfolio Make timely, informed decisions using live data Track significant changes and configure alerts Create shared workspaces for better managed teams 2 3

3 will change the way we look at risk. Credit risk management will never be the same again With online access to information on more than 170 million businesses in the D&B Global Database, DNBi gives you and your team the power to control credit risk company-wide. At-a-glance dashboards, clear reports and an intuitive web-based format mean getting the portfolio-wide view you need has never been easier. Armed with this information, you can both minimise your risk and maximise your opportunities. Conf dence n your decisions Flexibility that puts you in control Manage risk in a way that suits you. Customise and control the way your management teams can access and use DNBi business data. Create structured workspaces to monitor account portfolios efficiently. View all the business information you need when and how you want for one set price. But above all, DNBi gives you confidence. It lets you understand credit exposure across your entire portfolio not just new or problem accounts, but potentially less obvious risks from established customers too. Identifying your risks Evaluating risk and deciding appropriate credit terms has never been more important. In today s challenging climate, business circumstances quickly change. A view taken one week may be wholly inappropriate the next. To make informed decisions, you need up-to-date information. You need the ability to reassess changes at any moment in time. It s not just prospective, recent or even problematic accounts you need to watch. Even your most established customers can suddenly and unexpectedly constitute a serious risk. You need a way to assess risk across your whole portfolio, constantly, using the very latest intelligence. DNBi delivers this capability in a web-based format that is easy to set up and easy to run. Another dimension to your insight Consumer risk ratings can also be used to supplement corporate risk data, giving you a view of the credit-worthiness of the key individuals behind the companies you deal with. Peace of mind You also have the added reassurance of knowing that every decision you make is backed by D&B s DUNSRight TM quality process. We are unique in providing daily updates of all information, guaranteeing you the most accurate, timely and complete business information available. 4 5

4 Three reasons for DNBi to be part of your business, every day 1 2 It gives you an instant snapshot of your portfolio s health when you want it It is a faster, easier, more accurate way of assessing companies have instant access to all the information I need. The DNBi Dashboard gives you the immediate summary you need to make business-critical decisions. Drawn from the verified D&B credit database, the Dashboard is an overview of your risk portfolio at your fingertips. Use it to spot trends, assess risk, refine credit limits, and drive company profitability. Customise the layout to highlight information that is most important to you and to show the true risk in your portfolio. Segment your portfolio and configure alerts proactively, to inform you of key changes in risk. Document your decisions by saving a snapshot (a record of the data on which the decision is based) along with your notes. Snapshots are saved indefinitely in your DNBi account. Supplement corporate credit risk information with consumer credit information which you can apply to your own credit policy. Global Failure Risk Bands (GFRBs) allow a direct comparison of the risk of failure between different companies located in different countries around the world. If you are managing an international portfolio of customers, the GFRBs allow you to easily segment your portfolio and efficiently focus your resource and effort. Instant access to the most complete and up-to-date business information available enabling you to assess risk consistently and gain intelligence internationally. This ensures that you have what you need to make a confident decision. Use the DNBi Company Summary, a customisable view of key company information that enables fast, informed decision-making. If more information is required, drill down into the underlying details available in the comprehensive D&B database. Save searches in your DNBi workspace, keeping a record of company searches and actions taken. View a customised list of those businesses with the highest risk in your portfolio - allowing you to identify those that could cause you problems. Save a copy of the report with your additional notes and decisions. These can be shared for future reference. Customise content to reflect your definition of risk - making the insight truly relevant to your business. Easily keep on top of changes with customisable alerts. Customise the report view allowing you to access the information which is most important to you. User defined views of risk allow you to identify and develop opportunities or manage problems early. 6 7

5 3 can manage credit in a way that suits our business. It s more flexible to make your department more effective DNBi is a powerful product, but it is the flexibility it delivers that will transform the effectiveness of your department. Whether your team needs to analyse trends and advise on strategy or get on with the task of researching potential customers and manage day-to-day credit risk, DNBi gives them the freedom, power and confidence to do it more efficiently. DNBi works the way you do. It reflects your existing management structures, account teams and their portfolio responsibilities. Organise the information the way you need it, to do your job. Outstanding flexibility removes irrelevant information, giving staff better clarity to make effective decisions. You can create group folders to manage similar companies by region, industry and level of risk. Give your team the information they need and let DNBi do the rest. Work folders can be shared between different members of your team, giving colleagues a view of the companies and activities in your DNBi customer portfolio. Your team can collaborate more effectively and maintain their effectiveness at all times. Use of DNBi is covered by a single licence fee removing the need to pay for individual reports. Extended access enables you to view information as often as you like, without worrying about payment limits. Categorise your reports into folders Choose which folders you want to share with the rest of your team 8 9

6 I have seamless access to consumer credit information. can get in touch. D&B Consumer Access Having access to D&B s business data is essential to understand your customers credit risk and make businesscritical decisions. But particularly with smaller businesses, where the significance of a key individual s integrity and creditworthiness within a company is magnified, additional consumer data can be essential to understanding the company s credit risk in even greater depth. With DNBi Consumer Access, you will receive the latest consumer credit information from Callcredit directly into DNBi s interface in a single, unified solution. This combination of D&B business credit data with Callcredit s consumer insight gives you a complete overview of your customers consumer and commercial credit risk. An even greater view of credit risk A 360 view add another dimension to your insight with consumer information straight from Callcredit. Easy access a principle s risk assessment can be driven directly from inside the business report. Full control user privilege access rights grant the appropriate level of information, to the right users in the way they want to see it. Updateable - review and refresh the data easily and as often as you desire. More value Powerful risk assessment on sole traders, small office/ home office (SOHO), partnerships and smaller limited companies where commercial data is not widely available. A single solution providing commercial and consumer insight in one report and avoiding the time and hassle of buying additional consumer data from elsewhere. Unrivalled levels of detail Find out adverse, undisclosed and withheld information such as known by other names or detrimental information held for previous addresses. Access six years of Public Notice information including court judgements and bankruptcies. Gauge scores make full use of historical data to predict likely future payment performance of customers or prospects enabling more informed and assertive decision making. Demographic profiling provides postcode-level information. You need to see it to believe it. To arrange a live demonstration, call your D&B Account Manager, or visit Callcredit s consumer insight with D&B business credit data gives you a complete overview of your customers consumer and commericial credit risk