How to use Ledger Insights to effectively support your assessment and management of debtor risk.

Standard Risk Management Steps

Standard Risk Management Steps  How to use Ledger Insights to effectively support your assessment and management of debtor risk. 

Please note: The currency shown in this tutorial may not match your locally configured currency settings.

The Dashboard provides a comprehensive view of your entire accounts receivable ledger, allowing you to compare your debtor balances against the balances of your peers and other trade creditors who also contribute trade payment data to Creditsafe. Additionally, it segments your accounts receivable by risk level, using Creditsafe's credit scores to provide a clear and actionable risk overview.

Dashboard Landing Page 

Dashboard Landing Page   The Dashboard provides a comprehensive view of your entire accounts receivable ledger, allowing you to compare your debtor balances against the balances of your peers and other trade creditors who also contribute trade payment data to Creditsafe. Additionally, it segments your accounts receivable by risk level, using Creditsafe's credit scores to provide a clear and actionable risk overview. 

Your selected accounts receivable ledger is segmented using the International A-E credit score. Click through to access the debtor list that makes up the aggregated value you see in any given age category in the grid.

AR Segmentation 

AR Segmentation   Your selected accounts receivable ledger is segmented using the International A-E credit score. Click through to access the debtor list that makes up the aggregated value you see in any given age category in the grid. 

Once you have selected the value from the Credit Risk Banding row in the Dashboard, the corresponding debtor list will open in the Customers tab. Alternatively, you can click directly on the Customers tab and search manually for a specific debtor.

View the Debtor List 

View the Debtor List   Once you have selected the value from the Credit Risk Banding row in the Dashboard, the corresponding debtor list will open in the Customers tab. Alternatively, you can click directly on the Customers tab and search manually for a specific debtor. 

In the Customers Search tab, you can use any of the fields in the form to search for an organisation. Searches using Company Name or your own Account Number&nbsp;allow you to quickly locate a company in your AR.

Search for a Debtor

Search for a Debtor  In the Customers Search tab, you can use any of the fields in the form to search for an organisation. Searches using Company Name or your own Account Number &nbsp;allow you to quickly locate a company in your AR. 

View the Debtor's name at the top of the page and access high-level credit score information. Action can be taken in several different ways: <ol><li>Add the debtor to an upcoming meeting</li><li>Download a Basic or a Full Trade Payment data report</li><li>Execute an automated decision model (additional chargeable Creditsafe service)</li><li>Review matching between Creditsafe's data and yours</li><li>Add the debtor to Monitoring (event detection in Monitoring is a different service to Alerts which can be raised in Ledger insights)</li></ol>

Reviewing the Debtor

Reviewing the Debtor  View the Debtor's name at the top of the page and access high-level credit score information. Action can be taken in several different ways: Add the debtor to an upcoming meeting Download a Basic or a F ull Trade Payment data report Execute an automated decision model ( additional chargeable Creditsafe service) Review matching between Creditsafe's data and yours Add the debtor to Monitoring ( event detection in Monitoring is a different service to Alerts which can be raised in Ledger insights) 

Monitoring is Creditsafe's event detection service, it generates notifications separately from Alerts raised by other group members in Ledger Insights. Please Note: Monitoring is an optional Creditsafe Service.

Add the Debtor to Monitoring 

Add the Debtor to Monitoring   Monitoring is Creditsafe's event detection service, it generates notifications separately from Alerts raised by other group members in Ledger Insights. Please Note: Monitoring is an optional Creditsafe Service. 

From here you can add this debtor to a credit group meeting. After clicking the Add to Meeting button you can select the reason for adding the debtor to the discussion.

Add the Debtor to an Upcoming Meeting

Add the Debtor to an Upcoming Meeting  From here you can add this debtor to a credit group meeting. After clicking the Add to Meeting button you can select the reason for adding the debtor to the discussion. 

The Basic Trade Payment report generates an exportable PDF from trade payment data shared amongst group members. The Full Trade Payment report blends trade payment data shared amongst group members with adding Creditsafe data. Please Note: It could have an additional cost.

Download a Basic or a Full Trade Payment Data Report (PDF)

Download a Basic or a Full Trade Payment Data Report (PDF)  The Basic Trade Payment report generates an exportable PDF from trade payment data shared amongst group members. The Full Trade Payment report blends trade payment data shared amongst group members with adding Creditsafe data. Please Note: It could have an additional cost. 

For fast and consistent outcomes, generate automated credit decisions using the Run Decision Engine button. This approach can combine your organisation’s trade data along with Creditsafe’s assessment metrics and provides simple Accept/ Reject/ Refer outcomes. Please Note: Additional optional &amp; chargeable Creditsafe service.

Run Automated Decisions

Run Automated Decisions  For fast and consistent outcomes, generate automated credit decisions using the Run Decision Engine button. This approach can combine your organisation’s trade data along with Creditsafe’s assessment metrics and provides simple Accept/ Reject/ Refer outcomes. Please Note: Additional optional &amp; chargeable Creditsafe service. 

View your account information on the debtor in the top grid. The grid below shows the company in Creditsafe's universe that your debtor has been matched to. Your Administrator will assist with your matches as a value-added service. Please contact your Administrator for match improvements.

Review Matching

Review Matching  View your account information on the debtor in the top grid. The grid below shows the company in Creditsafe's universe that your debtor has been matched to. Your Administrator will assist with your matches as a value-added service. Please contact your Administrator for match improvements. 

Compare your debtor exposure (Age of Debt Ledger) directly against the collective group (Age of Debt Credit Circle).

Compare Your Exposure to Your Credit Group

Compare Your Exposure to Your Credit Group  Compare your debtor exposure ( Age of Debt Ledger ) directly against the collective group ( Age of Debt Credit Circle ). 

Please Note: An optional service

Access Full Creditsafe Credit Reports

Access Full Creditsafe Credit Reports  Please Note : An optional service 

Click Member Breakdown to review the shared group member's trade payment data in detail. Clicking this button will open the Combined Experience tab.

View Full Trade Breakdowns

View Full Trade Breakdowns  Click Member Breakdown to review the shared group member's trade payment data in detail. Clicking this button will open the Combined Experience tab. 

Insert and save your own credit limit

Manage Your Credit Limit

Manage Your Credit Limit  Insert and save your own credit limit 

Events are audit-logged and downloads are maintained for future retrieval. Events include: - Decision models run with their outcomes - Trade Reports downloaded - Limits added/amended - Save button (at the top of the report screen) clicks

Review the Audit Log

Review the Audit Log  Events are audit-logged and downloads are maintained for future retrieval. Events include : - Decision models run with their outcomes - Trade Reports downloaded - Limits added/amended - Save button (at the top of the report screen) clicks 

Click on Add New Note/ Alert to begin the process.

Add Notes & Alerts 

Add Notes & Alerts   Click on Add New Note/ Alert to begin the process. 

By selecting Internal Note you will be able to add comments and notes for your organisation or internal team to view.

Add Internal Notes 

Add Internal Notes   By selecting Internal Not e you will be able to add comments and notes for your organisation or internal team to view. 

Click Save to complete the process.

Add Comments and Information

Add Comments and Information  Click Save to complete the process. 

As entries are added a detailed list will be maintained below the Company Identification Details grid.

Comment List 

Comment List   As entries are added a detailed list will be maintained below the Company Identification Details grid. 

To create an alert for the entire group click on Add New Note/ Alert.

Add an Alert for the Group

Add an Alert for the Group  To create an alert for the entire group click on Add New Note/ Alert . 

Click on the dropdown and select Alert Report.

Select Alert Report

Select Alert Report  Click on the dropdown and select Alert Report . 

Select the most appropriate Alert Type (from 35 unique options).

Create your Alert

Create your Alert  Select the most appropriate Alert Type (from 35 unique options). 

Add more context by selecting up to 5 pre-created alert comments (from 72 pre-created alert options) OR add free format text.

Provide Context 

Provide Context   Add more context by selecting up to 5 pre-created alert comments (from 72 pre-created alert options) OR add free format text. 

Additional free format context can be provided. Any free format text added in this area will be sent for moderation by your group administrator. Once the text has been moderated (and if approved) the Alert will be distributed to all group members based on their preferred notification set-up. Should the comment be declined the author (you) will be notified to contact the administrator by e-mail. Click Save to send the Alert.

Adding Free Text

Adding Free Text  Additional free format context can be provided. Any free format text added in this area will be sent for moderation by your group administrator. Once the text has been moderated (and if approved) the Alert will be distributed to all group members based on their preferred notification set-up. Should the comment be declined the author (you) will be notified to contact the administrator by e-mail. Click Save to send the Alert. 

Once the alert has been saved it will be visible in your comment list.

Saved Alerts 

Saved Alerts   Once the alert has been saved it will be visible in your comment list. 

To access all the alerts created by your organisation and other members click the Group Summary tab.

Group Summary

Group Summary  To access all the alerts created by your organisation and other members click the Group Summary tab. 

All alerts created within your credit group will be available in the Alert List. The list is sortable and can be filtered by Customer Name or date range.

Alerts List

Alerts List  All alerts created within your credit group will be available in the Alert List . The list is sortable and can be filtered by Customer Name or date range. 

Provides a detailed breakdown of all the trade experiences shared by members across a complete organisation/ organisationally linked group. It consists of three distinct ageing grids: Recent Experiences, Past Experiences (up to two years), Zero Balance Experiences (cash transactions/ payments). The display is for the entire group i.e. a collection of branches in a company network, configuration of the collective group of companies is controlled by your Administrator.

Combined Member Experience 

Combined Member Experience   Provides a detailed breakdown of all the trade experiences shared by members across a complete organisation/ organisationally linked group . It consists of three distinct ageing grids: Recent Experiences , Past Experiences (up to two years), Zero Balance Experiences (cash transactions/ payments). The display is for the entire group i.e. a collection of branches in a company network , configuration of the collective group of companies is controlled by your Administrator. 

By hovering over the Member Number, member's names will be visible (if they have opted in to have their names disclosed (setting controlled by Admins)). The complete aggregated trade line for a specific member is provided, giving detailed information about that member's experiences with the debtor; information on the frequency and recency of data is also provided.

Recent Experience 

Recent Experience   By hovering over the Member Number , member's names will be visible (if they have opted in to have their names disclosed (setting controlled by Admins)). The complete aggregated trade line for a specific member is provided, giving detailed information about that member's experiences with the debtor; information on the frequency and recency of data is also provided. 

The Start Date and End Date boxes can be used to filter Past Experiences and review outstanding trade balances between specific date ranges.

Past Experiences

Past Experiences  The Start Date and End Date boxes can be used to filter Past Experiences and review outstanding trade balances between specific date ranges. 

Cash transactions and payments are provided in the Zero Balance grid. This area allows credit managers to see the full spectrum of transactions among members with the specific debtor.

Zero Balance Grid

Zero Balance Grid  Cash transactions and payments are provided in the Zero Balance grid. This area allows credit managers to see the full spectrum of transactions among members with the specific debtor. 

The performance of the complete corporate organisation can be viewed by individual location (branch/ office etc.) in the Location Experience tab. It provides a granular understanding of corporate payment behaviour amongst its component parts. Please contact your Administrator to arrange customised linking of organisations and their display in this tab.

Location Experience 

Location Experience   The performance of the complete corporate organisation can be viewed by individual location (branch/ office etc.) in the Location Experience tab. It provides a granular understanding of corporate payment behaviour amongst its component parts. Please contact your Administrator to arrange customised linking of organisations and their display in this tab. 

The same information seen in the aggregated views in the Combined Experience tab is reflected at the individual branch level here. The data displayed is based on trade payments shared by your peer members in the credit group.

Location Trade Data 

Location Trade Data   The same information seen in the aggregated views in the Combined Experience tab is reflected at the individual branch level here. The data displayed is based on trade payments shared by your peer members in the credit group. 

Click on the History tab to review up to two years (25 months) of trade payment data contributions from the entire group.

View Historic Trade Experiences 

View Historic Trade Experiences   Click on the History tab to review up to two years (25 months) of trade payment data contributions from the entire group. 

For deeper insight on quarter-on- quarter/ year-on-year debtor payment behaviour/ trends, use the dropdown to filter for either a 13 or 25-month view.

Select the Review Period

Select the Review Period  For deeper insight on quarter-on- quarter/ year-on-year debtor payment behaviour/ trends , use the dropdown to filter for either a 13 or 25-month view. 

25-Month View

Should you require more detailed information about submissions made in a specific month, click on the month in the History table and a new page will open with a detailed breakdown of contributions made in that period.

Click on a Month for More Information

Click on a Month for More Information  Should you require more detailed information about submissions made in a specific month, click on the month in the History table and a new page will open with a detailed breakdown of contributions made in that period. 

The history from the month just selected will be displayed. Review the breakdown of the contributions by members made in that isolated calendar month.

Accessing a Specific Month 

Accessing a Specific Month   The history from the month just selected will be displayed. Review the breakdown of the contributions by members made in that isolated calendar month. 

To return to the main History page.

Click Back 

Click Back   To return to the main History page. 

Two graphs are provided at the bottom of the page for easy visual analysis of Average Days Slow (DBT) and the Percentage of Debt Past Due.

Performance Graphs 

Performance Graphs   Two graphs are provided at the bottom of the page for easy visual analysis of Average Days Slow (DBT) and the Percentage of Debt Past Due. 

This tab contains 2 columns allowing the user to compare experiences with the individual debtor location/ office to those of the whole corporate trade group.

The Debtor Summary Tab

The Debtor Summary Tab  This tab contains 2 columns allowing the user to compare experiences with the individual debtor location/ office to those of the whole corporate trade group. 

Debtor Summary: A summary of trade experiences with the trading location under review. Combined Summary: A summary of trade information and enquiries within the corporate group.

The Experience Summary 

The Experience Summary   Debtor Summary : A summary of trade experiences with the trading location under review. Combined Summary : A summary of trade information and enquiries within the corporate group . 

By clicking on AR Requests you will be able to request updated trade information from the other members within your group.

Request Account Receivable (AR) Updates From Group Members

Request Account Receivable (AR) Updates From Group Members  By clicking on AR Requests you will be able to request updated trade information from the other members within your group. 

Use the Member List to send your request to individual group members OR all of the nominated contacts in your group network.

Member List

Member List  Use the Member List to send your request to individual group members OR all of the nominated contacts in your group network. 

Once you have made your selection (by ticking the boxes next to the member's information) click Send to e-mail the request to nominated contacts in the group. Please Note: If a member has not allocated a contact they will not receive an e-mail inviting them to provide a trade experience update on the debtor.

Send the Request 

Send the Request   Once you have made your selection (by ticking the boxes next to the member's information) click Send to e-mail the request to nominated contacts in the group. Please Note: If a member has not allocated a contact they will not receive an e-mail inviting them to provide a trade experience update on the debtor. 

Once the Accounts Receivable update request has been sent to the member(s), the Recent Request Audit Log will be displayed, it provides real-time information on the progress of the request. Please Note: Members who have provided trade information updates in the past 45 days will automatically be counted as “Responded with AR.” When creating an AR request, you will be prompted to update your own trade payment data if it is more than 45 days old. You must update your data BEFORE you may send any requests to other group members.

Tracking your AR Request 

Tracking your AR Request   Once the Accounts Receivable update request has been sent to the member(s), the Recent Request Audit Log will be displayed, it provides real-time information on the progress of the request. Please Note : Members who have provided trade information updates in the past 45 days will automatically be counted as “ Responded with AR .” When creating an AR request, you will be prompted to update your own trade payment data if it is more than 45 days old. You must update your data BEFORE you may send any requests to other group members. 

To view all Accounts Receivable requests sent by other members to you, click on the AR Responses tab. Provide your response by clicking on the Recent Experience button in the grid below.

AR Responses

AR Responses  To view all Accounts Receivable requests sent by other members to you, click on the AR Responses tab. Provide your response by clicking on the Recent Experience button in the grid below. 

To view all Accounts Receivable requests sent by you, access the Group Summary tab and click on AR All Requests.

View All AR Requests Sent by You

View All AR Requests Sent by You  To view all Accounts Receivable requests sent by you , access the Group Summary tab and click on AR All Requests . 

You can access an update summary from the audit list by clicking on the name of the debtor you would like to review.

Audit List of All AR Requests You Have Sent

Audit List of All AR Requests You Have Sent  You can access an update summary from the audit list by clicking on the name of the debtor you would like to review. 

Access the summary of each of the accounts receivable response types by clicking on the response type category name.

Review Feedback 

Review Feedback   Access the summary of each of the accounts receivable response types by clicking on the response type category name. 

After clicking into the response category you can review a list of the members who answered with that response type. This feature allows you to track whether other members are participating inline with the the group's agreed rules or contact a member about a response.

Review Member Participation

Review Member Participation  After clicking into the response category you can review a list of the members who answered with that response type. This feature allows you to track whether other members are participating inline with the the group's agreed rules or contact a member about a response. 

Click on Member List

Credit group members will be displayed in the Member List tab. By clicking on a Member Number you can access detailed information about nominated contacts within that specific organisation. Members can elect to be anonymous or have their organisation &amp; contact's names displayed in the list (this would be arranged directly with your group Administrator).

The Member List

The Member List  Credit group members will be displayed in the Member List tab. By clicking on a Member Number you can access detailed information about nominated contacts within that specific organisation . Members can elect to be anonymous or have their organisation &amp; contact's names displayed in the list (this would be arranged directly with your group Administrator). 

The Member Last Update column provides you with the date of the Member's most recent AR update. This allows you to quickly assess the relevance of each Member's trade payment data when reviewing your account receivables.

Data Update Information 

Data Update Information   The Member Last Update column provides you with the date of the Member's most recent AR update. This allows you to quickly assess the relevance of each Member's trade payment data when reviewing your account receivables. 

Congratulations on completing the standard risk management demonstration! You now have a high-level understanding of some of the key features within Ledger Insights.

Standard Risk Management Steps  Congratulations on completing the standard risk management demonstration! You now have a high-level understanding of some of the key features within Ledger Insights. 