AI Engine

Credit Scores

Explainable scoring model v4.2 trained on 2.4M B2B payment events

Portfolio Avg Score

694

2.6%up 18 pts YoY

Low Risk Share

47.6%

3.4%612 customers

Scores Downgraded

12.1%last 30 days

Model Confidence

91%

1.1%v4.2 · 2.4M events

Vertex Polymers

CUST-1001 · Polymers

880

out of 1000

Low

Recommended limit

₹21.25 L

Payment terms

Net 60

Model confidence91%

Factors Affecting Score

Weighted contribution breakdown

Payment history

positive

94% on-time over 24 months

Credit utilization

negative

78% of sanctioned limit used

Cheque bounce events

positive

Zero bounces in 18 months

GST filing regularity

positive

All GSTR-3B filed on time

Industry risk

neutral

Polymers · moderate cyclicality

Exposure concentration

negative

41% revenue from 2 buyers

Behaviour Profile

Normalised factor radar

AI Explanation

Copilot

Vertex Polymers scores 880 because payment history is strong (26 day average against net 45 terms), but utilization sits high at 28% of the sanctioned limit. Exposure concentration and a seasonal Q3 slowdown in polymers pull the score down. Holding the limit at ₹21.25 L with milestone billing keeps expected loss under 1.4%.