Portfolio Management

Introduction

The InRatings Portfolio Risk Management service gives you the view your finance team actually needs: every customer, rated and ranked simultaneously, with risk segmented across your entire book so you can see where your exposure is concentrated before it becomes a provision.

What’s Included in Portfolio Risk Management

A rated view of your entire customer book
Every customer in your portfolio assessed and assigned an AA → E rating using InRatings' six-dimension methodology.

Custom segmentation across your portfolio
Segment your portfolio by risk rating, country, industry, revenue exposure, or credit limit — however your finance team needs to view it.

Portfolio-level exposure summary
Total credit at risk broken down by rating category. At a glance: how much of your receivables book sits in safe territory, how much is borderline, and how much is in a risk category that requires action.

Prioritised action list — per account
Not a data report to interpret. A ranked list of accounts with a specific recommended action for each: maintain, monitor, reduce exposure, request security, or suspend credit.

Ongoing monitoring — risk as it changes
As your customers' financial situations change, so does their risk profile. Portfolio Risk Management gives you an updated view on demand — so a customer who was safe six months ago and is now showing signs of stress doesn't catch you off guard.

Who Is This For?

Portfolio Risk Management is built for finance leaders who:

• Manage 30 or more active B2B credit customers simultaneously

• Have outgrown managing credit risk through spreadsheets, aging reports, or reactive single-company checks

• Need a portfolio-level view to identify concentration risk, not just individual account risk

• Are responsible for IFRS 9 expected credit loss provisioning and need a documented, auditable methodology behind their estimates

• Want to move from reactive bad debt management to proactive portfolio oversight