One exposure figure
Open trades, delivered-but-unpaid cargoes and outstanding invoices are added up per counterparty and group, net of the security you hold.
Commercial & trading analytics
Credit & counterparty risk analytics
A physical cargo can be worth tens of millions, and the buyer’s ability to pay matters as much as the price. We bring together everything you know about each counterparty, including outstanding exposure, payment history, liquidity indicators and sovereign risk flags, into one view your credit team can check before a high-value deal is signed.
Typical first version
6 – 10 weeks
Stated as a range. The two-week assessment narrows it.
The problem
Where it hurts today
- Exposure to one counterparty is spread across trading, invoicing and treasury systems.
- Credit checks are done by email, after the trader has already agreed terms.
- Warning signs such as slower payments or a country downgrade are noticed late.
Data we bring together
- Open trades and mark-to-market values
- Invoices, payments and days past due
- Letters of credit, guarantees and limits
- Counterparty financial statements
- Sovereign and country risk ratings
- Internal credit approvals
How Azico builds it
Four stages, each one usable on its own
Limits and usage
Each counterparty’s approved limit is shown against current and projected exposure, including deals still being negotiated.
Early-warning signals
Payment behaviour, liquidity ratios and country flags are scored, and a change in score is flagged to the credit team.
Pre-deal check
Before signing, a trader or credit officer sees in one screen whether the new deal fits the limit and what would change.
What your team sees
- +Exposure against limit for every counterparty
- +Counterparties whose risk score changed this week
- +Country and sovereign exposure
- +Pre-deal check with headroom after the trade
Questions it answers
- “How much do we have at risk with this buyer if we sign today?”
- “Which counterparties have started paying later?”
- “What is our total exposure to this country?”
What we need from you
- Trade, invoice and payment data
- Your credit policy and current limits
- The ratings and risk sources you use
- A credit manager to agree scoring rules
Built with these services
Commercial & trading analytics
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Azico Analytics is a Bangalore-based team of experienced data professionals. Share how your data is managed today, how your reports are produced and the challenges you face. We will assess your requirements objectively and set out where we can add value, with a practical approach tailored to your business.