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Customer risk management software

Customer risk management: anticipate bad debt before it happens

Hoopiz assesses every customer from account opening, sets and monitors credit limits, and alerts you as soon as risk changes. You sell with greater peace of mind, and your sales teams know how far they can go.

−30%bad debt
360°external, internal and behavioural data
Groupconsolidated multi-subsidiary exposure

−30%: order of magnitude observed among our mid-sized and group customers after 12 months of use; results vary depending on the starting point.

Illustration · fictitious data

Sound familiar?

Customer risk is managed before the invoice, not after

Many defaults were predictable: the signals were there, but scattered between the data provider, the insurer, accounting and sales.

Finance departmentCFO, risk manager, executive management
  • We discover our biggest risks when the customer defaults.
  • We don’t know our real exposure to a customer served by several subsidiaries.
  • Credit limits exist on paper, but nobody enforces them.
  • Bad debt hits our bottom line directly.
Credit managersCredit managers, sales administration
  • To analyse a customer, we look at four different tools.
  • External ratings say nothing about solvent customers… who pay late.
  • Accounts are opened without checks, under sales pressure.
  • We find out about deteriorating risk by chance.

How Hoopiz helps

All your risk information, in one place, at the right time

Your pain point
What Hoopiz does
What you gain
Scattered information
Single risk profile: external financial information (data providers such as Creditsafe, Ellisphere or Infolegale), credit insurance cover, exposure and payment history.
Analysis in minutes
Solvent customers who pay late
Behavioural scoring based on actual payment delays, complementing external ratings.
Risks ratings don’t show
Accounts opened without checks
Account opening with built-in risk checks and approval workflows for credit limits.
Decisions tracked and shared
Credit limits not enforced
Internal credit limits monitored continuously, overrun alerts and order blocking in the ERP when needed.
Controlled exposure
Deterioration found too late
Monitoring and alerts on changes in rating, payment behaviour and cover.
A head start on default
Unknown group exposure
Consolidated exposure and risk for a customer shared by several subsidiaries (PILOT+ option), multi-currency.
A group view with no blind spots

In practice

Customer risk, from first quote to final payment

1

Account openingRisk checks and proposed limit.

2

ApprovalCredit limit approval workflow.

3

CoverLimit request to the credit insurer.

4

MonitoringRating, behaviour and cover tracked continuously.

5

AlertOverrun or deterioration: the right person is notified.

6

DecisionLimit review, securing or order blocking.

Each step is configurable to your organisation and delegation levels.

At the heart of your information system

Risk decisions applied everywhere

Connected to your ERP and CRM

Through the CONNECT module and its APIs, Credit Management decisions feed directly into your applications:

  • automatic blocking and release of customer accounts in the ERP;
  • risk level visible to sales in the CRM;
  • risk data available in your BI tools.

hoopiOne AI for customer risk

Rolled out progressively from January 2027, Hoopiz’s AI capabilities will help your teams:

  • detect early warning signs of deterioration sooner;
  • automatically cross-check risk, exposure and cover;
  • answer in one question: “which customers exceed their limit without cover?”.

FAQ

Customer risk management: your questions

More questions? See our full FAQ.

What is customer risk management?

Customer risk management means assessing each customer’s ability and willingness to pay, setting appropriate credit limits and monitoring changes, so you can sell without exposing yourself to bad debt. It is the first pillar of Credit Management.

How do you set a customer credit limit?

By combining external financial information, any credit insurance cover, observed payment behaviour and the customer’s commercial potential. Hoopiz brings these together and organises limit approval according to your delegation levels.

What is behavioural scoring?

It is a score calculated from the payment delays actually observed with your customers. It complements external ratings and helps spot customers who are solvent but pay late, which data providers do not flag.

Does Hoopiz use external financial data?

Yes. Hoopiz connects to financial information providers such as Creditsafe, Ellisphere or Infolegale, and to your credit insurers, to add ratings, alerts and cover to each customer’s profile.

How do you manage the risk of a customer shared by several subsidiaries?

With the PILOT+ option, Hoopiz consolidates the exposure and risk of the same customer across all group companies, in multiple currencies, so you can steer overall exposure and consistent limits.

Stay one step ahead of customer risk

In a demo, we show you how Hoopiz assesses, monitors and secures your customer portfolio.