ZIRA Credit Risk Management

Reduce Net Bad Debt Expenses & Increase Top-line Revenues

ZIRA Credit Risk Management provides the operator with a holistic view that helps in understanding subscriber/partner risk profi­le and thereby aids its management. Further, ZIRA Credit Risk Management can quickly and seamlessly, accommodate new service information to provide an accurate picture of the exposure at any point in time and help its Customers to:

Reduce net bad debt expenses

Lower costs from credit and collections operations

Improve cash flow

Retain subscribers/partners

Increase top-line revenues

ZIRA Credit Risk Management is part of ZIRA Framework of tightly integrated, business focused applications that quickly and accurately transform under-exploited data from disparate sources into competitive opportunities for revenue protection, optimization and generation.

Key Features

Continuous detection and assessment of subscribers’/partners’ usage (e.g., events from switches) and non-usage (e.g., payments, deposits), triggering alarms.

Credit management capabilities extended to include dynamic credit limit management, credit classification, “balance due” management including late payment notification.

Credit risk scoring is based on demographic information, usage behaviour and, if desired, other sources such as internal systems or external credit score rating companies.

Key Benefits

Partner / Subscriber Behavior Lifecycle

Enable Operator to understand subscriber/partner behavior across the entire credit lifecycle.

End-to-end 360° View

Provide 360° view of any Customer and Partner Operator and complete understanding of customer/partner risk profile.

Profitability Increase

Proven increase of profitability due to minimized customer risk exposure.

Trending Portfolio

Use quantitative analytics to understand and manage trends within your portfolio.

Streamline your Processes

Align business processes, technology, and organization structure.

Bill Shock Prevention

Prevent bill shock to customer, reduce churn and manage retention through increased customer loyalty and satisfaction.

AI Continuous Learning

Create environment of continuous learning through “test-and-learn” discipline.

Risk Exposure Detection

Customer specific approach and design risk exposure detection and monitoring.

Customer Hierarchy Credit Limit

New service offering with Credit Limit applicable on any Level in Customer Hierarchy.

ZIRA Credit Risk and ZIRA FM Advanced Scoring are additionally enriched in ZIRA Risk Management with following algorithms

Random Forest

The aspect of variable importance ranking, which estimates predictive value of variables by scrambling the variable, in practice is used to test (one way) interaction effects and added to  model, resulting in performance which matches (or outperforms) random forests.

Random Forest ZIRA

Ranked Multi-Label Rule (RMR) algorithm

In ZIRA’s approach to RMR algorithm a new associative classification technique are introduced, which are generating rules with multiple labels. RMR algorithm  has been developed specifically to address the problem of finding best scores within very large and sometimes noisy datasets. ZIRA FM use RMR algorithm to generate a relatively large number of rules, which are then pruned. Additionally developed fuzzy set theory in ZIRA dealing with reasoning that is approximate rather than precisely deduced from classical predicate logic. The fuzzy sets are logically true formulas recursively enumerable (in spite of the fact that the crisp set of valid formulas is not recursively enumerable).

        Contact Us

ZIRA Headquarters
Fra Anđela Zvizdovića 1
UNITIC Business Tower A/5
Sarajevo, Bosnia & Herzegovina

About Us

For over 22 years, ZIRA has been a leading vendor of innovative BSS solutions for customer, revenue and risk management covering the full order to cash process for retail and wholesale billing.

Working with 50+ telecommunication operators across 22 countries, ZIRA implements integrated and flexible modular solutions to protect legacy investments, reduce the risk and cost of implementation and meet customers’ unique needs.

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