Rostelecom implemented scoring assessment of clients

Rostelecom completed at the beginning of 2017 the first stage of system implementation of management of credit scoring for the purpose of operational assessment of credit risk of the client.

The scoring system provides all cycle of credit management, completely covering the relations with the client or the partner from the moment of signing of the contract until completion of cooperation. A system allows to make decisions on statistically reasonable information analyzed by means of the intellectual analysis of Big Data.

Thanks to the analysis of the accumulated information a system allows to reveal the probability of delay of payment and risks connected with it.

At the first stage of implementation creation of a system of assessment of credit risks of the international telecom operators (B2O segment) became an automation object. The implemented system allows to estimate risks of nonresident operators, to calculate a credit limit depending on the credit policy of Rostelecom. A system carries out permanent monitoring of solvency of operators (including the notification about changes of solvency of operators) by means of the integrated gateways with external data sources, i.e. the credit agencies transmitting financial and client information through automatic gateways.

Commissioning of the first stage of a management system for credit scoring already had a positive impact on OIBDA due to decrease in a doubtful debt allowance of the international operators by 224 million rubles.

"For the company implementation of a scoring system bears a number of positive effects in terms of increase in operational efficiency of business. A system provides increase in collecting of receivables, defines the differentiated approach of work with debts of clients taking into account different criteria for evaluation of risk-taking, influences cutting of costs for debt collection, - the senior vice president - the chief financial officer of Rostelecom Kaj-Uwe Melchorn says. – The implemented system allows to reduce the amount of a doubtful debt allowance that renders positive effect on an indicator of operating profit of the company before depreciation".

"In addition to increase in internal efficiency, the scoring system has potential in terms of increase in revenue due to the subsequent monetization of data, allowing to add a line of digital services and to increase revenues of the company from this direction", - mister Melkhorn adds.

The implemented architectural concepts of a scoring system are steady in relation to hardware-software errors, failures of technical and software tools, with a possibility of recovery of its working capacity and integrity of information contents at emergence of errors and failures.

Until the end of 2017 in a scoring system there will be an automated scoring of credit risks on all segments (B2B, B2G, B2O, B2C) and all Macroregional branches of PJSC Rostelecom.

At the first stage of implementation the system of assessment of credit risks of the international telecom operators (B2O segment) which allows to estimate risks of emergence of arrears from nonresident operators was constructed and to calculate a credit limit depending on the credit policy of Rostelecom. This system covers practically all stages and possible events relating to credit management. Thanks to information obtained from systems sources, including from external credit agencies, a system allows to perform permanent monitoring of solvency of operators, to detect changes in solvency of the partner, change in payment discipline, risks of unfair liquidation, a tendency to increase in debt and risks connected with it and another.

Processes of credit management are automated taking into account the best world practices and the saved-up SAS and AT Consulting of local examination. In particular, a system provides an opportunity for work of users taking into account their regional accessory, supports management of lifecycle of scoring cards and retraining of analytical models. The ratings and risks calculated using a system can be applied further to prioritizing of tasks and work planning of systems on collecting of debit congestion.

Based on an open tender the SAS company became the supplier of the software solution of a management system for credit scoring. The AT Service company acted as the partner of implementation of a scoring system.

"The project is characterized by complexity of the applied technologies and implementation scales. AT Consulting has wealth of experience and competence in the field of Big Data – together with partners the intelligent system which allows to make decisions on the basis of statistically reasonable information obtained by means of Big Data technologies was created. As for scales, a system is designed to cover all segments of clients (B2B, B2G, B2O, B2C) in all macroregional branches of the customer in the territory of Russia", – the project manager from AT Consulting Malykhina Natalya told.