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Credit Management Automation Software

Transforming Global Credit Operations for High-Volume Businesses

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Transform Your Global Credit Management

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The Emagia Credit Management Solution is specifically designed to enable credit departments to make consistent and efficient credit decisions for increasing healthy revenues and minimizing receivables risk. Emagia Credit Management provides 360 degree view of customers with necessary credit risk information and receivables information integrated in a comprehensive credit evaluation process.

Built for global deployment with the capability to handle regional credit risk evaluation in multiple countries, Emagia Credit Management Solution serves as a single global platform across the enterprise. With seamless and tight integrations with existing ERP and other enterprise systems, Emagia Credit Management provides single workbench for

all the credit departments across the company for accessing or processing any credit related task.

Customizable Credit Application Templates

Reducing the credit application time by taking the right information and specific supporting documents is the first area of efficiency improvements in most credit departments. Emagia Credit Management Solution allows global credit organizations to create custom online credit applications for each region or Line-of-Business to extend to their sales and service organizations to participate in the credit request process.

Configurable Scorecards and Credit Scoring Policy

With changing business conditions, credit department has to be agile to refine and retune credit policies regularly to mitigate business risk. Emagia Credit Management Solution empowers the Credit managers with powerful administration tool to continuously refine the credit policy and score cards for credit evaluations for minimizing risk. Global organizations can define region-wise or product-wise score cards for evaluating credit risk. These configurable scorecards bring consistency and agility into the credit decision process.

Consistent Workflow-based Credit Approvals

Emagia Credit Management Solution has powerful workflow management functionality to configure credit approval workflows based on business rules. Credit approval process can be greatly streamlined for consistency in decision making. Further, audit trails and sign-offs in the approval process comply with SOX Section 404 compliance standards.

Automated High Volume Credit Decisions Processing

Emagia Credit Management Solutions takes an innovative approach of using automation and decision support in the high volume credit granting process. Pre-defined business rules allow credit limit requests to be automatically granted or denied if the business risk is too low or too high. By automating repetitive and straight forward credit decisions, Emagia drives organizations to maximize efficiencies to handle high volumes of credit applications.

External Credit Bureau Reports Integration

Externally available credit data from bureaus can be incorporated into the credit scoring and decision process within Emagia. Credit scores and rankings retrieved from third-party agencies are used in the scoring models and stored for future reference and audits.

Automated Periodic Credit Reviews

Timely and more frequent credit reviews on existing customers can greatly improve to mitigate risk in your receivables portfolio. This can also be business insight into changing risk profile of your customer base and can help drive your sales and marketing strategies in effective manner. Emagia Credit Management Solution gives you capability to schedule automatic reviews at predetermined schedules for large volumes of customers.

Integrated Credit and Collections Management

Emagia Credit Management Solution has the ability to empower the credit department with full access to collections information on any customers. Credit evaluations can be done based on such information. Likewise, collections departments will also have access to customer credit risk information and can modify their collection strategies based on risk.