Work
Selected work / Financial services
Better decisions became €15m of additional revenue.
- Client
- Western European invoice-financing company
- Capability
- Machine learning
- Scope
- Risk governance, model, eligibility rules, monitoring
The situation
A Western European invoice-financing company was constraining growth with a generic external credit score and static eligibility rules.
The approach
The decision framework was redesigned around stronger risk governance, richer internal operational data and a machine-learning model trained specifically on the company’s historical data.
Before
- Annual external data
- Generic score
- Static rules
After
- Daily operational data
- Bespoke model
- Calibrated decisioning
- Continuous monitoring
Outcomes
- Eligible opportunities
- +20%
- Additional revenue in year one
- €15m
- Monitored risk level
- Unchanged
Beyond the model
The model was only part of the solution.
The work also strengthened the organisation’s risk framework, recalibrated seller, debtor and invoice eligibility rules, and introduced dedicated monitoring to verify that increased eligibility did not increase the underlying risk profile.