Commercial Delphi
Commercial Delphi is a statistical scoring model designed to estimate the relative likelihood of business distress or failure over a 12-month horizon. This tool supports faster and more consistent credit assessments on businesses, helping you manage risk effectively, designed to support stable risk assessment over time.
Businesses seeking to manage credit risks for new and existing customers, including those dealing with sole proprietors, SMEs, and large corporate entities.
Increased Predictive Strength
Enhanced ability to forecast the risk of business failure, ensuring better decision-making.
Improved Stability
Designed to support stable risk assessment over time, even as economic conditions change.
Appropriate Segmentation
This involves tailoring the treatment of different business sizes, ages, and types for a more accurate risk assessment.
Increased Granularity
More refined risk grades for precise credit decisioning.
Find out more about Experian’s Commercial Delphi service
How It Works
Commercial Delphi utilises a statistical scoring model that integrates the current data inputs and periodic model updates and economic and regulatory conditions. It offers a consistent approach to managing risk throughout the credit lifecycle—from acquisition to debtor management and recoveries.
Key Features
- Comprehensive Scoring: Designed to score a broad range of active businesses, subject to data availability and model criteria, including sole proprietors, SMEs, and established enterprises.
- Versatile Usage: Available on Kreditweb, web services, Ledger 360, and in batch.
- Consistent Risk Management: A standardised method for assessing credit risk across a diverse portfolio allows for proactive management of existing customers and new acquisitions.
- Data-driven insights: Leverages broader data sets and sophisticated variables for enhanced predictive power.