This project aims to evaluate credit risk and payment behavior of international clients in recruitment services. It focuses on developing a risk assessment model to reduce defaults, optimize credit terms, and improve collection efficiency through data-driven decision-making and financial analysis.
Understand the credit policies followed in international recruitment businesses.
Collect and analyze client payment data across different countries and industries.
Classify clients into low, medium, and high credit risk categories.
Study factors influencing delayed payments such as economic conditions and client size.
Calculate financial metrics like DSO, aging analysis, and overdue ratios.
Identify patterns in late payments and defaults.
Evaluate current credit approval and monitoring processes.
Develop a credit scoring model using parameters like payment history, revenue size, and geography.
Suggest improvements in credit terms (advance payments, partial payments, credit limits).
Analyze the impact of credit policies on revenue and client relationships.
Recommend risk mitigation strategies such as insurance, factoring, or guarantees.
Design a monitoring system for continuous tracking of client payment behavior.
Prepare reports and dashboards to visualize credit risk exposure.
Provide recommendations to balance business growth with financial risk control.
