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Credit Management Module

See Credit Risk Before it Hits

Trade Shield’s Credit Management Module blends predictive credit scoring, continuous monitoring, and intelligent trade credit limit recommendations so your team can see risk early, back every decision with data, and extend trade credit effectively.
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Enabling Billions in Trade Credit Every Year and Powering more than 3% of South Africa’s GDP in Trade Credit Transactions

Credit Risk Management, Simplified

The credit management module brings your credit policies, internal data, and external risk signals into one predictive decision layer:

Predictive Credit Scoring

Move beyond static bureau scores. Our models combine internal payment behaviour with external credit data to reveal who’s ready for growth - and who isn’t.

Custom Risk Models

Your industry, your rules. Configure scorecards and risk thresholds that reflect your portfolio, sector, and strategy instead of a one-size-fits-all template.

Continuous Monitoring

Stay ahead of risk with always-on portfolio monitoring. When a customer’s behaviour shifts or external signals change, you see it before it becomes a problem.

Limit Adjustments

Turn credit policies into clear, consistent recommendations. Get suggested limit recommendations and adjustments based on risk, so approvals are faster and easier to defend.

Limit Reviews

Treat limit increases as an opportunity, not a credit risk spike. The module reviews performance, recalculates scores, and recommends safe growth paths for each customer.

Data Provider Options

Blend the bureau data and third-party sources you prefer with Trade Shield’s proprietary network and transaction insights for a sharper, more complete risk view.

From Scattered Data to a Single Source of Credit Truth, Outcomes You Can Measure

Trade Shield doesn’t just score risk – we reshape how it shows up in your numbers. Clients use the Credit Management Module to:

Reduce Payment and Default Risk

Move beyond static bureau scores. Our models combine internal payment behaviour with external credit data to reveal who’s ready for growth – and who isn’t.

Shorten Onboarding and Review Cycles

Your industry, your rules. Configure scorecards and risk thresholds that reflect your portfolio, sector, and strategy instead of a one-size-fits-all template.

Increase Approved Purchase Volumes Safely

Confidence in limits allows for strong payers to grow.
Clients see significantly higher purchase volumes from their best customers – without loosening controls.

Create Credit Decisions You Can Explain and Defend

Every recommendation is backed by transparent logic and underlying data, improving trust with all departments.

Turn Trade Credit into Business Growth
Trade Shield’s Credit Management Module gives your team predictive trade credit scoring, continuous monitoring, and frequent limit recommendations in one place so you can extend more credit to the right customers, so you always get paid back.
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FAQs

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Who is this module designed for?

The module is built for finance and credit teams in B2B environments where trade credit is core to the business model - manufacturers, distributors, asset and equipment finance, and other high-volume credit portfolios. It’s especially useful where exposure per customer is material and default risk can quickly become a balance-sheet problem.

How is this different from a standard bureau credit check?
Traditional bureau checks are static snapshots. Trade Shield blends those bureau files with your internal payment history and other data providers, then applies predictive scoring and custom risk models to create forward-looking risk views and limit recommendations. You get real-time, explainable decisions instead of one-off reports.
What data sources can the module use?
The module ingests internal data from current systems (such as your ERP, CRM, and finance tools) and combines it with bureau and other third-party providers. It also supports custom development options for bespoke credit models if you have specialist data or sector-specific requirements.
How does continuous monitoring actually work?

Instead of manually revisiting accounts once or twice a year, the module runs continuous monitoring on your portfolio. It tracks internal behaviours, external risk signals, and model outputs to flag changes early, so you can adjust limits, request additional security, or intervene before a late payer becomes a bad debt.

Does this replace our ERP or current systems?

No. Trade Shield is designed to work with your current systems, not replace them. It plugs into your existing technology landscape and becomes the decision layer for credit and limit management on top of what you already have.

What about data security and compliance?

Trade Shield is delivered as an enterprise-grade platform with strict controls over how data is stored, accessed, and processed. Your internal and external data are used solely to power risk assessment, monitoring, and recommendations in line with your governance and regulatory requirements.

Also view our Onboarding Module

Turn paper and PDFs into a single digital workflow. Eliminate the friction in onboarding new clients. Automate the entire process with instant document verification and real-time status updates.

Learn More