Credit Risk Management

Are Financials history?

At Co-pilot, we talk about the Three Pillars of Credit Risk Management:

Three Pillars of Credit Risk Management


There will still be a place for Financials, but it is “Big data crunching” and Machine Learning that represent the future of Credit Risk Management for many of our clients. We have a unique-to-Co-pilot range of data sources, tools and techniques available. These often do specific jobs, or suit specific industries. Our strategy is to continue to expand this range.

The Ideal

Automate decisioning and real-time monitoring on low-value high-volume accounts

Layer in the data sources, the tools and the techniques needed to give you the enhanced risk insight required for your business or your industry.

This will provide the “Red Flags” which enable the credit team to perform at their top level – equipped with the information, analysis and early warnings they need to focus on customer investigations/discussions and stakeholder briefings.  See case study

Why Co-pilot

Our 17 years experience as an independent advisor on Credit Management Software

  • If software is part of your solution you will not waste time and money talking to (or even contracting with) the wrong vendor.  We bring you vendors that truly understand Credit Risk Management in all its complexities.  This is a critical factor in our experience see case studies

Our unique-to-Co-pilot portfolio of data sources, tools and techniques.  These include:

  • High-level financial and non-financial information – we have access to the sources the Trade Credit Insurers use
  • A Market Sentiment Analysis tool that can give vital risk insight
  • Bespoke We can help you design and implement tools that give you risk insights directly for your industry.  As an example, think of the Airline industry and its agents.  Airlines have to fly the planes full, so they can’t cut limits until the very last minute

Our expertise in Credit Risk Management Best Practice


Let's have a chat - call the team on +44 20 7813 2182

Latest News

The Crucial Role of Data in Credit Risk Management

In the dynamic world of credit risk management, data is the lifeblood that drives decision-making. From assessing a buyer's creditworthiness to predicting future payment behaviours, the reliance on comprehensive and accurate data cannot be overstated. In this digital...

Stay Ahead of Risk with Dynamic Scorecards: The Cornerstone of Proactive Credit Management

In the intricate ballet of credit management, your scorecards are your most trusted dancers. They move to the rhythm of financial ebbs and flows, respond to the beat of market dynamics, and perform under the spotlight of regulatory scrutiny. But what happens when the...

Case Study: Top 5 Global Advertising Agency Supported by Co-pilot

Case Study: Top 5 Global Advertising Agency looking to better manage credit risk, credit insurance arrangements and to improve efficiency. We were recommended to this company by another of our clients and we were able to meet up and discuss the challenges: Issues...

Efficient management of large credit insurance programmes – the happy client, the happy broker, the happy underwriter.

Many brokers consider the biggest threat to their business to be self-insurance. Insured clients can be driven in that direction through dissatisfaction with a number of key factors:  The Credit Limit Service — this can be limits available, but it can also be about...


Our job is to advise clients about credit management technology and best practice. We are independent and we have been doing it for a long time. The key issue is that through experience we know what works, and we also know what doesn’t work. This means that our...


Co-pilot was delighted to speak at the recent AICDP webinar on Automating Credit Risk Management Processes along with Wilm Schweer from SHS Viveon & Shaun Rees of VF Corporation. This was a short, sharp, high-level presentation with interactive questions from the...


Artificial Intelligence and Machine Learning (AI/ML) are current buzzwords and many companies are now investigating the possibilities across various business functions. These technologies can have significant impact upon the performance of credit management but it is...


Our contacts at Baker Ing have produced a detailed look at Force Majeure which is available to download from their website - a worthy read in these current times. Download your copy by clicking the image below:


Co-pilot’s involvement through supplier identification, procurement, implementation and beyond ensured project success and delivery of the business case.