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Unique data

Custom data solutions

CreditorWatch is Australia’s leading provider of high-quality data for enhancing credit decisioning, credit models and credit monitoring processes. Draw in depth insights with our unique data.

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Reduce
Debtor Risk

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Rich data

How our data is unique

CreditorWatch utilises machine learning to enrich our business demographic data, resulting in a comprehensive range of predictors available to you via the Business Risk Index and Risk Rating – our credit risk score and rating system. These predictors and methods include:

  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F Traditional adverse data such as ABR, ASIC and courts databases - capturing high-risk events including judgements, bankruptcies, insolvencies and other risk indicators.
  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F Geographic risk clusters derived from aggregated transactional and socio-economic data capture the insolvency risk associated with business location.
  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F Natural language processing is applied to business names in order to classify high-risk business types. This offers a more granular look at industry risk, complementing our ANZSIC industry classifications database.
  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F B2B transactional data, including more than 11 million trade lines from aged trial balances (ATBs) and SME payment data - unique in the Australian market.
  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F A wide range of additional risk factors that capture maturity, scale, entity type, industry, tax status and management structure.
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Data Driven
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Unique Data
& Insights

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Custom solutions

Pick and choose what you need

Select specific CreditorWatch data elements and customise according to your business’s requirements, for an even more predictive outcome.

Use our off-the-shelf scoring or build your own – all of our data elements are available to be consumed on a standalone basis.

Building your own scoring model is possible with access to our unique data, such as trade payment and business demographic risk data.

Unique insights

Data testing and proof of concept

CreditorWatch offers standard data testing and custom proof of concepts to reveal deeper insights into your portfolio.

Our standard data testing is comprised of two components:

  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F A data wash of your portfolio to determine a match to CreditorWatch’s population base and identify high-risk credit indicators.
  • A3E389DD-C47A-46B8-A6ED-E2C687796C4F A back-test of CreditorWatch's scoring models and unique data to determine credit rating distribution and default performance.

A data test will reveal how CreditorWatch’s unique data enhances your risk decisions and allows you to truly align your portfolio with your organisation’s risk appetite.

Our enterprise team is also capable of performing custom data testing and proof of concepts according to your requirements.

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