Risk Assessment Manager (RAM5.5v)

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A powerful, flexible tool to help you manage business risk -- your way

Risk Assessment Manager (RAM) is a credit management software package derived from our experience working with Business Week¡¯s Global 1000 companies. Developed by D&B headquarters in Short Hills, New Jersey, RAM has been vastly adopted by companies in the United States. RAM was introduced into China in 1998, and then localized into Chinese. This leap forward has opened up a new horizon of credit risk evaluation and credit management in China. The latest launch of RAM 5.5 version has further upgraded the function and operation of RAM as a powerful credit decisioning tool.

Automated decisioning improves consistency and maximizes efficiency

Delegating credit decision making is always a concern in a large enterprise. Risk Assessment Manager gives you the confidence to dele-gate by automating most decisioning, making it easy for your team to follow the rules you have created. With RAM, you create as many customized, rules-based credit scorecards as you desire that combine both our dynamic data and your own customer information files.

Consistency and compliance throughout your organization

By employing RAM¡¯s flexible automated decisioning, you can:

  • Delegate decisioning with confidence through-out the enterprise, knowing that decisions will be made consistently, regardless of location or prior experience with the customer.
  • Ensure enterprise-wide compliance with corporate credit policies and internal and external audit needs.
  • Focus your personnel¡¯s time where it is most valuable, managing the exceptions.

More efficient sales process

RAM allows you to incorporate credit decisions with any ERP, CRM or order-entry vehicle. That makes it possible to:

  • Facilitate the order-to-cash cycle by shortening the decision time frame.
  • Increase transaction speed with point-of-sale decisioning.
  • Integrate your e-commerce decisioning seamlessly with traditional decisioning, eliminating the need for manual intervention.

Leverage risk as a strategic tool with portfolio analytics

You already know that managing credit risk is both an art and a science. If automated decisioning is the science of RAM, advanced portfolio analytics is the art. Now, a few clicks show you views of enterprise-wide risk that was never before possible.

You have the power to analyze risk not just by dollars outstanding, but by industry sector, product line and sales office. You can identify problems while they¡¯re still ¡°potential.¡± Find the risk hidden in a merger before the deal is done. Segment your account base by credit risk, geo-graphic risk or industry risk ¨C or on the positive side, use segmentation to identify the potential for additional business. In fact, with RAM, the only limit to the use of risk as a strategic tool is your own creativity.

Manage high-risk corporate relationships pro-actively. The entire enterprise has immediate access to a comprehensive electronic file for each customer. The exclusive D-U-N-S® Numbers show family linkages, so you can aggregate corporate exposure domestically or globally, identify and manage high-risk relationships, and take proactive steps to prevent loss in corporate bankruptcies.

Secure and grow the top line

 RAM¡¯s data mining capabilities make it easy to support sales and marketing efforts while minimizing risk.

  • Identify hot leads. RAM instantly finds the customers who have both excellent payment records and available credit.
  • Target optimal prospects. Refine your search by segmenting by industry and geography.
  • Pre-select the most desirable customers. Create enterprise-wide rules that make it easy to pre-approve customers, eliminating high-risk accounts before they¡¯re ever on the books.

Maximize the bottom line

RAM provides powerful, easy-to-use tools to help you keep tight control over credit expenses, for a measurable impact on your bottom line.

  • Drive down bad debt with ongoing monitoring. RAM integrates both current account information and up-to-date D&B credit data, so you can see immediately when credit is deteriorating.
  • Support M&A strategies. Assist in identifying impacts to the portfolio based on customer mergers and acquisitions.
  • Reduce Days Sales Outstanding by prioritizing collections. Segment accounts into risk classifications to manage the workflow more productively.
  • Benchmark performance. At a glance, you can compare performance by location, territory, product line, sales rep, credit analyst and more.

Proactively manage the portfolio

RAM makes reviewing your portfolio so easy, there¡¯s no need to settle for an annual review. You can continuously monitor the portfolio for hidden risk or shifts in risk. Review your concentration of customers and risk within demographic categories or unstable industries. Update credit lines and risk scores instantaneously. You can periodically assess the appropriateness of your credit policies and change the criteria in your RAM scorecard on the fly.