Credit teams decide who gets terms, how much, and for how long. Collections teams deal with what happens when a customer doesn’t pay on those terms. The outcome of collections is really a report card on the credit decision that came before it.
Right now, that report card mostly doesn’t reach the credit team. Collections recovers what it can and closes the account. Credit sets next quarter’s limits using the same assumptions as last quarter, because nobody routed the outcome back.
Rubix’s B2B debt collection solution connects that outcome to the credit function directly by providing insights on:
• Which customer segments are defaulting more than their credit profile suggested?
• Which terms are taking longer to recover than expected?
• Where is actual repayment behaviour diverging from the original credit assessment?
For a Head of Credit, Rubix B2B Debt Collections data becomes an input into the next credit decision of which limits to tighten, which terms to reconsider, and which accounts to watch more closely before extending further credit.
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