011000358700000031292010E

SAP Credit Management
Solution in Detail
Legal Disclaimer
This presentation is a preliminary version and not subject to your license agreement or any other agreement with SAP. This document contains only intended strategies, developments, and functionalities of the SAP product and is not intended to be binding upon SAP to any particular course of business, product strategy, and/or development. Please note that this document is subject to change and may be changed by SAP at any time without notice. SAP assumes no responsibility for errors or omissions in this document.
SAP AG 2009. All rights reserved. / Page 2
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
SAP Credit Management Introduction Financial Process Integration User Interface of the Credit Manager Master Data Credit Rules Engine Integration with External Information Providers Reporting & Mass Change Deployment Options and Availability Summary
Financial Supply Chain Management with SAP
SAP Biller Direct

(Electronic Bill Presentment and Payment)
SAP Dispute Management
SAP Collections Management
Check Credit Worthiness
Issue Invoice
Forecast Cash
Finance Working Capital
Resolve Disputes
Collect Cash
Settle & Pay
Reconcile
Order-to-Cash
Credit Management Business Facts
Year 2007: approximately 129,822 corporate bankruptcies in Western Europe* Average delay in payments for Western Europe between 8 days and 21 days* Ineffective credit management in distributed sales systems Information needed for credit decisions is spread out all over the company No credit history available when doing business with new customers Communication between sales, credit, and finance departments is very time-consuming A customer is treated differently in different business units within the same company
* Source: Creditreform
SAP Credit Management Focus
System to implement a company wide credit policy
Central credit management in a distributed system landscape

Monitor a customers credit exposure in one central system Customer scoring using own scoring rules creating new reports and queries
Automatically calculate and assign a customer-specific credit limit

Interface to external credit agencies Web-based access to credit information for sales people Distribute customer master data via Master Data Management (MDM) Strategic credit analysis with predefined reports Credit Manager Portal to speed up credit decisions Improves productivity by automating credit decision process and focusing on the processing of exceptions
How to Manage the Credit Risk ?
Collect internal and external information about the customer Evaluate and classify the customer according to this information Assign a credit limit according to the risk assessment of the customer Collect information about the credit exposure of business transactions with this customer Ongoing monitoring of the credit limit usage
Hedge business transactions for high risk customers

Monitor early warning signs Plan sales and marketing activities for low risk customers Compare credit portfolio with companies strategic goals Share credit information with sales
Default Probability Sets Risk Hedging
Default Probability
30 %
Cash on delivery
Letter of credit
20 %
Advance Payment Risk Class III
Check by ext. Credit Agency

10 %
Risk Class II Invoice
Risk Class I
= Customer
Very Good
Very Bad
Score
Treatment of Clients Depending on Sales and Default Risk

Sales with client
High Sales
Possible Actions:
Possible Actions:
Lower sales prices Reduce use of hedging instruments

Customer A
Reduce business with this customer Change dunning procedure Permanent credit risk monitoring
Customer B
Best Case Client:
Intensify Customer Relationship
Customer C
Possible Actions:
Increase sales prices Increase use of hedging instruments

Customer D
Low Sales High Risk

Low Risk
Risk of default
Functional Overview
Credit Limit Management

Implement a company wide credit policy Manage a customer credit profile Central credit management in a distributed system landscape
Credit Case

Credit case for structured processing of credit limit applications Track status and result of credit limit applications
Credit Rules Engine

Categorize customers by scoring rules Automatically calculate and assign a customer-specific credit limit Credit check rules Model and implement own customer credit score cards
Credit Information

Interface to external credit agencies Input parameters for scoring rules BW Content
Credit Manager Portal
Role-based access to credit management information and analysis
Credit Limit Management
Functions

Manager the credit profile of a customer Monitor credit exposure / limit in a central system Web-Based access to customers credit profile Rules Engine for implementing own scoring and limit rules Scalable platform to use in B2B and B2C Scenarios Score customers and vendors
Alert
Alert Credit Limit
January
March February
Credit Exposure April
Business Benefit

Imlement company wide credit policy Early identification of default risk Reduce processing costs by automating credit decisions
Credit Case
Functions

Virtual Folder to track credit applications A credit case contains Major customer master data & credit profile Status Organizational data Documents Orders Notes Inbox A credit case can be sent from user to user It is linked to the customer credit data SAP Workflow Integration
Business Benefit
Sales people can enter an application for credit limit change Track status of the application Inform sales when decision is made
Create Limit Application (Example)

Customer exceeds credit limit frequently Sales assistant enters credit limit application (credit case) Assign credit manager manually / automatically Send workflow item to credit manager Send credit case to financial analyst Send workflow item to financial analyst Send back credit case with financial data
Need more information? no Approve / reject credit limit application Change limit in master data (manually)
yes
Close credit limit application
Send notification to sales assistant (workflow)
Credit Limit Request
Reason & Status
Amount Fields
Tracking &Tracing
Creating Credit Limit Request

Select Business Partner
Define details
Add note
Add Attachments
Review and save
Confirmation
Integration
Functions

Central credit management in a heterogeneous system landscape Import exposure information from various systems Perform credit limit check in real-time
Integrate services from external credit agencies into the credit decision process
Distribution of customer master data by MDM
Business Benefits

Minimal effort for connecting SAP and non-SAP Systems and low TCO due to XI Seamless integration of external services increases user productivity Real-time credit limit check guarantees consistent credit decisions Provide customer credit profile to other applications (e.g. CRM)
Credit Manager Portal
Functions

Role based application providing analytical tools needed for quick credit decisions Single point of access for all relevant credit information
Work lists inform the user about to-dos

Platform to make credit information available for sales people
Business Benefits

Improves user efficiency due to consolidation of various information sources Improves communication between sales, credit and accounting department Sales people can access credit information from customer site
Credit Analysis
Functions

Company-wide monitoring of credit risk Analysis of customer payment and order behavior Alert on high risk customers Risk structure analysis of the customer base by country / business unit / customer group
Business Benefits

Proactive credit management Identification of risks before customer gets insolvent Hedging of high risk customers reduces unexpected losses Aim marketing and sales activities to low-risk customers Drive price policy by a customer risk category
Integration with External Credit Agencies
SAP Enterprise Portal Credit Manager Portal

Real Time

D&B Creditreform XML Real Time
External Credit Information System

Original XML Document is stored in the document management system that is used by the SAP Business Partner
SCHUFA
D+B
Creditreform
.......
Comparison R/3 Credit Management with SAP Credit Management

R/3 Credit Management Master Data FI-AR Account SAP Credit Management SAP Business Partner
FI Data
Monitor Credit Exposure
SAP Business Partner

Only for simple systemlandscape (1xFI, 1xSD) Not available Only through partner products Not available Only in SD Customer fact sheet
FI-AR, FI-CA, others

Distributed system-landscape (multiple FI, SD and CRM systems) Credit Rules Engine any XML based credit information service Credit Rules Engine Create Workflow for any Credit Event Credit Manager Portal (incl. BW Content) and OLTP reporting PI Server
Customer Scoring/Rating External Credit Information (e.g. D&B) Rule based definition of credit limits Workflow Analysis
Connectivity for non SAP-systems

Not available
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Enterprise SOA Process Efficiency
Sales Representative
Credit Manager
A/R Accountant
Sales and Distribution
Credit Management
Payment and Clearing
SAP NetWeaver
Sales
Create order
Deliver order
Financials Credit Management

Post invoice
Post payment
Execute credit check
Update customers credit exposure Seamless order-tocash integration
Update customers open items
Update customers payment behavior
Enterprise Services
Real-Time Processing & Integration in SAP Credit Management

Processing & Integration SAP Credit Management
Credit limits checks carried out when entering orders, deliveries, good issues Every system can be connected to SAP Credit Management
Automatic credit worthiness checks
Every system can be connected to SAP Credit Management Immediate exposure updates
Up-to-date credit exposure of a particular customer
Integration with Accounts Receivable Exposure Payment behavior key figures
Ongoing real time scoring of customers

Traceability
Recalculation of scoring event driven
Change documents, various logs,
Automatic Credit Limit Checks in SD
Synchronous credit limit check when creating new sales order, delivery or the goods issue, and the result of the credit check can lead to an automatic block of the order Credit check rule assigned in the credit profile drives which credit checks have to be applied, this may include:

Dynamic/static credit limit check Check for collateral, credit insurance Check for the maximum dunning level Check for the oldest open item
Check for an order block set centrally by credit management

Check for key figures for the customers Payment behavior (e.g. DSO)
Status overview screen in the SD order using report UKM_LOGS_DISPLAY to see detailed credit check log
Liability Update from FI-AR
Report customer open items from FI-AR. E.g.

Business Partner Credit Segment Amount Due Date
Customer open items are exported on frequent base by running report UKM_TRANSFER_ITEMS - Transfer open items
Payment Behavior Summary (FI Summary) Update from FI-AR
Summary of the most important financial key figures of a customer. E.g.

Dunning Level Dunning Amount Last Payment / Date Oldest Open Item
Payment Behavior Index (e.g. DSO)
Payment behavior summary (FI Summary) is exported on frequent base by running report UKM_TRANSFER_VECTOR
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Credit Manager Role
A person in the role of a Credit Manager will usually have to fulfill tasks and duties in the following business processes:
Blocked Sales Orders

Checking the list of sales orders that are blocked due to a failed credit limit check Reviewing the order details and check credit exposure
Decision making release or reject blocked orders

Receiving credit limit applications for existing or new customers Reviewing details of credit limit request Decision making reject, approve credit limits or forward the request to other processor Receiving notifications via workflow on business partner maintenance Checking master data and performing requested changes to business partner master data, e.g. setting payment terms Decision making block or unblock customers
Credit Limit Requests

Business Partner Maintenance

Work Center for SAP Credit Management Modeling the Role of the Credit Manager
Each Work Center represents a certain area of activity:

Worklist
Processing of credit limit requests

Processing of blocked sales orders Processing of blocked customers
Each work center provides access to a range of work lists, pre-filled reports and services appropriate to the tasks performed by the user.
Worklist
Detailed Navigation = View Switch
User receives notifications on credit events (e.g. changes in risk class, score etc.)
Links launch applications in Activity Window (user can also start applications related to master data and mass data processing here)
User can view details and access directly the dialogue processing of business partner maintenance
Credit Limit Requests Overview

Detailed Navigation = View Switch Pre-delivered default queries with customized values
Links launch applications in Activity Window
User can access directly the dialogue processing of the respective request.
Blocked Customers
Detailed Navigation = View Switch Pre-delivered default queries with customized values
Action button leads the user directly to the exact location of the block information in the business partner master data
Credit Blocked Sales Orders
Detailed Navigation = View Switch
Pre-delivered default queries with customized values Access to Key activities via action buttons
POWL Detail section with Creditrelevant master data maintained in the connected FSCM system related to the selected work item
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Master Data in SAP Credit Management
Credit data is a component of SAP Credit Management and is stored in SAP Business Partner. It consists of the credit profile data and credit segment data.
The credit profile is used for the central storage of customer data relevant for risk assessment (scoring, risk class, external rating, credit check rule). Credit segments can map various areas of a company (such as sales area, countries, company codes). They are used for area-specific administration of credit limits (and their utilization) and to store information on the payment behavior of the customer. The corresponding credit segment data is used for credit checking when the order is created or on delivery within a company area. By using relationships you have the possibility of creating customer hierarchy.
Master Data Distribution Necessary Steps
1 Harmonize Customizing of Business Partners and Customers 2 Customize Master Data Synchronization 3 Activate Business Partner Role for Credit Management
Business Partner in SAP Credit Management
Scoring Rule: Rules that define how a customer is scored (e.g. industry, D&B, legal form, country)
Credit Check Rule: Rules that define how a customer is credit checked (e.g. static / dynamic check, oldest open item )
External Rating from D&B
Concept of Credit Segments
Credit Profile
Customer: 4711
Exposure HQ: Exposure BU1: Exposure BU2: 0000 Main Credit Segment Total Exposure: Limit: 0001 BU1 Credit Segment Exposure: Limit: Exposure: 0002 BU2 Credit Segment Limit: 100.000 30.000 20.000 150.000 160.000 30.000 35.000 20.000 30.000
Customizing: Credit Segment 0001 + 0002 Contribute to Main Credit Exposure

Relationship
Higher-level credit management account of

Business Partner 4711 Segment 0000 Credit Exp.: 1.000.000 Is the higher level credit management account of
Total Credit Exposure: 3.100.000
Business Partner 4712 Segment 0000 Credit Exp.: 1.500.000

Is the higher level credit management account of
Total Credit Exposure: 2.100.000
Business Partner 4713 Segment 0000 Credit Exp.: 700.000
Total Credit Exposure: 700.000
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Credit Rules Engine
Create scoring formula and credit limit formula by using the formula editor. Parameters (for example business partner data) and functions are used as input parameter.
One scoring formula and several credit limit formulas (for each credit segment) are assigned to the rule for scoring and credit limit calculation, which is assigned to each customer in the credit profile. The risk class is determined directly from the score. In customizing, specific score ranges which do not overlap are assigned to each risk class. For the check rule, the system determines the steps which are taken to check the creditworthiness of a customer when a sales order is created. This may include the static check of the credit limit or the check of the highest dunning level. Customer-specific process chains in SAP Credit Management can be defined through events which trigger follow-up actions
Credit Rules Engine
Application (e.g. Dispute)
Credit Management
Credit Rules Engine Credit Check Rules Application (e.g. CRM, SD, FI) Credit Limit Check / Open Items Credit Analysis Credit Check Workflow Credit Decision Support
External Provider
ext. / int. Credit Information
Credit Limit / Scoring
SAP Business Partner
Credit Limit Mgmt.
Credit Limit Definition
Credit Limit Control
Credit Management Portal Sales

Credit
Financial
Calculate Internal Credit Scoring (Existing Customer)

Customer Address Birth Date Profession Sales Volume Dunning Payments
RegionAge GroupProfessionScore ... ATL <20 Student 17 NYC 20-30 Student 18 ...
Sales Volume
Score SV 0 5 10 ... Score DU 0 3
Credit Information
Score C: 17 Score D: 3
0 100 101 300 301 1000 Dunning 0 1
Credit Rules Engine

Credit Agency I AAA Mapped Score A: AAA = 50 IF (Black List Entry exists): S=0 ELSE S = (2*A + 3*B + 5*C)+ 5*D) / 15 5*C / 10
Credit Agency II Mapped Score B: B+ B+ = 30
... Paym. (days after Due) Score PY 0 0 <5 4 <10 8 <20 15 ... Score D = SV DU PY = 3
Black List
27.5 Int. Scoring S = 19.3
Formula Editor
Scoring Steps
Formula Industry = IT AND Country = US
Scoring for Industry Add 10 Points to the Score Scoring for Credit Group Add 15 Points to the Score Check negative List Termination of evaluation Scoring for Ext. Rating Final Score = 25
Parameters Partner Industry Risk Class Credit Group Country Exception
Functions Ext. Rating Age Annual Sales GRADE2RANK STRING2NUM
Condition Substitution
Scoring Formula
The scoring rules define the way a customer is scored the result is a score You define the scoring rules in the formula editor by using the following input parameters
SAP Business Partner Master Data (preconfigured field selection) Input parameters can be enhanced via BAdI implementation Result of the scoring formula:

Score (numeric or alphanumeric) Valid to data Risk class determined
A valuation log is available to clarify the results
Credit Limit Formula
The Credit limit formula determines how the credit limit proposed by the system is calculated You define the credit limit formula in the formula editor by using following input parameters :
SAP Business Partner Master Data (preconfigured field selection) Input parameters can be enhanced via BAdI implementation Result of the credit limit data:

Credit limit (numeric or alphanumeric) Valid to data
A credit limit formula can be assigned for each rating procedure and credit segment A calculation log is available to explain the credit limit proposal
Credit Checking Rules
The Check rule determines the steps that are taken to check the credit worthiness of a customer when a sales order is created, and leads to a credit decision about the order
Available credit checks:

Dynamic/static credit limit check Check for collateral, credit insurance Check for the Maximum dunning level Check for the oldest open item Check for an order block set centrally by credit management Check for key figures for the customers Payment behavior (e.g. DSO)
Credit Eventing
Credit Management
Credit Events

Credit Limit Mgmt.
Credit Limit Control
SAP Workflow
Credit limit exceeded Credit master data changed Scoring changed Credit limit changed Ext. rating changed
master data changed
credit limit check Credit Eventing
Follow-up Activities
Trigger int. workflow

e.g. call customer e.g. request cash/ down payment
Trigger ext. applications
Application (e.g. CRM, SD)
Billing
FI
Lock customer account Disable service Create bill
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
SAP Credit Management Introduction Financial Process Integration User Interface of the Credit Manager Master Data Credit Rules Engine Integration with External Information Providers Reporting & Mass Change Deployment Options and Availability Summary and Roadmap
Integration with External Information Providers

Import credit reports for business partners Process updates of credit reports for a business partner (business partner monitoring by provider)
External Information Provider
(like DUNS number)

Real-time XML integration of external information providers has been part of SAP Credit Management since ERP 2004 The integration scenario is extended:
Search for business partners unique identifier

Process monitoring updates
EHP1
Search for business partners, determine unique identifier
EHP1
Search the External ID
1.
2.
The search of an external ID can be triggered directly out of the business partner maintenance in SAP Credit Management
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Reporting
Ad hoc reporting in SAP Credit Management

Various
reporting and analysis options are available in SAP Credit Management, such as creating warning lists, analyzing liability data for one or more customers, or logging the last order-related credit check for a customer mass changes are available in SAP Credit Management, such as calculating the creditworthiness, risk class, or credit limit for the first time for a number of customers
Various
Report UKM_MASS_DSP1
UKM_MASS_DSP1 Report for Credit Profile Data:

Reports credit related customer master data Risk Class, Score, Scoring Rules (Rating Procedure), Validity date
Rules, Score, Risk class, Validity date
Report UKM_MASS_DSP2
UKM_MASS_DSP2 Report for Credit Segment Data:

Credit Limit (current /calculated) + validity date Blocked Customers in SAP Credit Management Customers to monitor Resubmission Date
Assigned Credit Analyst

Plus all UKM_MASS_DSP1 Fields e.g. 80% for early warning list
Report UKM_MALUS_DSP
UKM_MALUS_DSP Report for Credit Limit Utilization

Credit Exposure (%) Credit Limit Still Available / Amount by which credit limit exceeded (absolute) Customer Credit Group Credit Analyst or Group
Resubmission Date
Blocked Customer in SAP Credit Management
Report UKM_VECTORS
UKM_VECTORS Payment Behavior KPIs

Total
Sales Volume in last 12 months Gross Total of Cleared Items with Cash Discount Not Taken Gross Total of Cleared Items without Cash Discount Loss
Av.
Arrears with cash discount payments Av. Arrears without cash discount payments
Report UKM_COMMITMENTS
UKM_COMMITMENTS Display / Correction of Commitment Data (Credit Exposure)

Display of commitments, for example, by commitment type or credit horizon Detail view of commitment items (e.g. open items, open orders ) Due date of open items and open orders
Navigation
Report UKM_BP_DISPLAY
UKM_BP_DISPLAY Report for Master Data List

Display of general and credit specific business partner master data Display of due or overdue items on a key data in a due and overdue selection grid
Reporting: Credit Limits and Exposure

Due Date analysis & Payment Behavior Data
Report UKM_LOGS_DISPLAY
UKM_LOGS_DISPLAY Protocol for incorrect credit checks and liability updates

Display of all conducted steps of the order-related credit check including the result of each step Display of all errors that occurred during the exposure update (e.g. customer not yet created in the system) Application log can be archived or deleted Protocols can be deleted or archived
Report UKM_MASS_SHOW
UKM_MASS_SHOW
Display of extracts written by mass updates

Read extracts of credit data
Mass Changes
UKM_MASS_UPD4
For defining the rule (check rule) in the credit management data of the business partner
UKM_MASS_UPD3
For updating the credit limit for each credit segment
UKM_MASS_UPD2
For updating the score of the business partner
UKM_MASS_UPD1
For updating the external credit information for the business partner
UKM_MASS_UPD3
Update the credit limit for each segment
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
Architecture
Sales
Business Accounting (FI-AR/FI-CA) SAP Credit Management Integration
IX IX
IX SAP Business Warehouse Credit Analysis
Distribution
Credit Case Credit Limit Management SAP Enterprise Portal Credit Manager Portal
IX
Customer
SAP CRM
Non-SAP System
Real Time
Information Flow
Ext. Credit Information System e.g. D&B
System Requirements (FI-AR)
Required Credit Manager Portal

Credit Information
Optional
BP Credit Manager Portal
BW Content 7.02
SD / FI Integration
ECC 5.0 , R/3 4.7, 4.6C + PI 2004.1
ECC 6.0
Application
FINBASIS 6.0 SAP Credit Management
PI Content
NW04
Netweaver 2004s System
Usage Type PI
Usage Type BI
Usage Type EP
Deployment Options One System
One System Scenario

SAP Credit Management 6.0 (part of ECC 6.0)
SAP ERP 6.0 (ECC 6.0)
SAP EP 7.0
SAP BW 7.0
optional SAP NetWeaver 2004s (SAP Web AS 7.0 ABAP) *
* Includes SAP Exchange Infrastructure, BW 7.0 and EP 7.0

Deployment Options Two Systems
One System Scenario

SAP Credit Management 6.0 (ECC 6.0) XI SAP NetWeaver 2004s (SAP Web AS 7.0 ABAP and Java)
Two System Scenario SAP ERP 6.0 (ECC 6.0) or SAP ERP 2004 (ECC 5.0) or SAP R/3 Enterprise or SAP R/3 4.6C or SAP FI-CA (min. 4.64)
SAP EP 7.0
SAP BW 7.0
optional
Agenda
1. 2. 3. 4. 5. 6. 7. 8. 9.
SAP Credit Management Business Benefits
Control credit risk via real-time credit allocation and ongoing monitoring Make fast credit decision through online credit rating check Reduce transaction costs by automating the credit application process Link dunning & dispute information to the credit decision process Reduce effective DSO by reducing payment delays and bad debt
Increase revenues with risk-free accounts (decreased rate of credit refusals)

Improve customer relationship by concentrating service on profitable customers Meet compliance regulations (SOX 404, 409)
Benefit from better refinancing offerings (Basel II)

Make use of a well-defined process for credit limit applications
SAP Credit Management Summary
Customer Challenges

Takes too long to evaluate credit

Inconsistent methods and policies No global view of exposure Evaluations hold up sales orders
SAP Functionality

Benefits

Analyze risk and set policy quickly Consistent evaluation and policy Global view of credit exposure Automatically update exposure throughout customer lifecycle
Faster credit decisions Lower costs and resource demands Reduce bad debt write-offs Reduce sales order delays
Further Information
SAP Public Web
http://www.sap.com/fscm
(log-on required)
SAP Service Marketplace
https://service.sap.com/fscm
Documentation on SAP Help Portal
http://help.sap.com
(SAP ERP >> SAP ERP Central Component >> SAP ERP EHPs)
Training / SAP Education
http://www.sap.com/education
User Groups

http://www.asug.com http://www.dsag.de http://www.sap.com/communities/usergroups.epx for more
Contact
Your SAP Account and Consulting Engagement Manager
Thank you!
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SAP Credit Management

SAP AG 2009. All rights reserved. / Page 2

SAP AG 2009. All rights reserved. / Page 3

Financial Supply Chain Management with SAP

SAP Credit Management

SAP Biller Direct

SAP Dispute Management

SAP Collections Management

Check Credit Worthiness

Finance Working Capital

Settle & Pay

SAP AG 2009. All rights reserved. / Page 4

Credit Management Business Facts

SAP Credit Management Focus

System to implement a company wide credit policy

Central credit management in a distributed system landscape

Automatically calculate and assign a customer-specific credit limit

SAP AG 2009. All rights reserved. / Page 6

How to Manage the Credit Risk ?

Hedge business transactions for high risk customers

SAP AG 2009. All rights reserved. / Page 7

Default Probability Sets Risk Hedging

Advance Payment Risk Class III

Check by ext. Credit Agency

Risk Class II Invoice

Treatment of Clients Depending on Sales and Default Risk

Lower sales prices Reduce use of hedging instruments

Best Case Client:

Intensify Customer Relationship

Increase sales prices Increase use of hedging instruments

Low Sales High Risk

Credit Limit Management

Credit Rules Engine

Credit Manager Portal

SAP AG 2009. All rights reserved. / Page 10

Role-based access to credit management information and analysis

Credit Limit Management

Alert Credit Limit

Credit Exposure April

SAP AG 2009. All rights reserved. / Page 11

Create Limit Application (Example)

Close credit limit application

Send notification to sales assistant (workflow)

Credit Limit Request

Reason & Status

SAP AG 2009. All rights reserved. / Page 14

Creating Credit Limit Request

Review and save

SAP AG 2009. All rights reserved. / Page 15

SAP AG 2009. All rights reserved. / Page 16

Credit Manager Portal

Work lists inform the user about to-dos

SAP AG 2009. All rights reserved. / Page 17

SAP AG 2009. All rights reserved. / Page 18

Integration with External Credit Agencies

SAP Enterprise Portal Credit Manager Portal

SAP Credit Management

External Credit Information System

SAP AG 2009. All rights reserved. / Page 19

Comparison R/3 Credit Management with SAP Credit Management

SAP Business Partner

FI-AR, FI-CA, others

Connectivity for non SAP-systems