Grow arc · Lead to Cash

CLARACredit Decisioning digital coworker

To assemble the complete credit position and apply your policy, so good orders move and real risk still stops.

Book a meeting Back to Agent Marketplace

Credit Decisioning · Lead to Cash

CLARA

PXN-L2C-004

Credit Limit Approval and Risk Analyser

Reports to: CFO
Runs in: CRM · Finance
Measured on: Credit decision cycle time

Authorised · Logged · Reversible

How much good revenue is stuck at your credit gate right now?

The full position was ready before the order arrived, so good revenue moved in minutes, and real risk still stopped at the gate.

Business outcomes

Good revenue released in minutes, because the position exists before the order arrives
Real risk still stopping at the gate, on evidence rather than on who escalated hardest
Disputed balances distinguished from payment failures, so a commercial disagreement is not read as credit deterioration
The whole book reviewed, not only the accounts that raised an exception
Every decision defensible after the fact, what the position showed at the time, and whether policy was applied

Measured on

Credit decision cycle time
Revenue released without added risk
Order holds cleared before dispatch
Credit-risk performance maintained

What CLARA does alone, and what stays with your team

CLARA reports to the CFO. Anything outside the agreed boundary goes to CFO delegate, risk owner, collections or commercial leadership, with the evidence attached.

Authority, and yoursPXN-L2C-004

Does this aloneAssembles the position · computes utilisation and headroom · identifies disputes · prioritises blocked orders

RecommendsApprove, approve with conditions, reduce, hold or escalate, with evidence and reasoning

EscalatesMaterial limit changes → credit manager, then CFO delegate by threshold · Deteriorating payment patterns, disputed identity and adverse external signals → human credit authority · Policy exceptions → the risk owner · Disputed holds → sales and finance jointly

Skills and the workday

CLARA prepares the credit decision, refreshes the evidence pack, reads exposure and payment history, computes utilisation, recommends a limit and review date, proposes security or payment conditions, routes authority, sets or releases a block only where delegated, writes the decision and rationale back.

Assembles exposure, limits and utilisation including orders in flight
Analyses payment behaviour and ageing
Identifies disputed items inflating the balance
Applies credit policy with the reasoning stated
Models headroom and scenarios
Reviews limits across the book against current trading

The other digital coworkers in Lead to Cash

Each role in the chain understands the work either side of it. See how Lead to Cash runs end to end.