Software

Stubbs – Collect Automation System (S-CAS™)

S-CAS™ is an advanced software application that supports each stage of the Credit Management Lifecycle.

The stages include:-

• Credit Checking
• Approval
• On-going
• Monitoring Recovery
• Analysis

S-CAS™ monitors and controls your complete database of credit applicants, customers and bad debtors within a single system.

S-CAS™ provides management dashboards customised to individual client requirements. As an example, the graphic below highlight that a total of 195 applications were declined during a 12 month period for the reasons charted.

Verification of Credit Application Data
S-CAS™ verifies and cross references all credit application data provided. To do this, the system is fully integrated with the Stubbs Credit Bureau, a number of national and international database, the Stubbs Late Payment Register, and relevant data from creditors meetings throughout Ireland.

S-CAS™ produces a credit score based on the analysis of the data available and categorises the credit application as GREEN, AMBER, or RED.

Monitoring of Credit Applicants
S-CAS™ has inbuilt live feeds from the Stubbs Credit Bureau, national and international database and the Stubbs Late Payment Register. The data from these feeds is used to monitor the on-going status of all applicants. S-CAS™ will also receive live payment feeds from a client’s debtor ledger.

All Credit Applications are stored in the S-CAS™ database. Credit applicants are either approved and become customers, approved and decline service offering or are refused credit.

The data required by S-CAS™ is provided via a direct link to your debtor ledger.

The ongoing monitoring of all credit applications provides an ability to monitor the effectiveness of the credit vetting procedure.

Daily, Weekly, Monthly, or Quarterly reports will highlight negative movement from:-

• Green to Amber
• Amber to Red
• Red Liquidated, Receivership, Examinership, Strike off

Daily, Weekly, Monthly, or Quarterly reports will highlight positive movement from:-

• Red to Amber
• Amber to Green

Monitoring also enables the management of the credit scoring model to adjust the weighting of specific data elements that may have a higher or lower impact on the overall score.

Debt Recovery

S-CAS™ incorporates the most advanced debt recovery tools available in the market today. The primary tools include:-

• Stubbs Gazette Demand Letter
• Stubbs Gazette Final Demand Letter
• Stubbs Text
• Stubbs Collector Call
• Stubbs Subscriber Sticker
• Stubbs Late Payment Register
• Stubbs Fixed Price Legal Services

When S-CAS™ is first implemented for a client, it is necessary to batch classify existing customer records. To enable this batch matching, the system has an integrated recoverability module. The Stubbs Recoverability Index™ (SRI) processes each customer record against their approved credit limit.

The SRI then scores the recoverability of the credit limit as if it was a debt due to the company. The resultant sore in classified to match the GREEN, AMBER, RED status within S-CAS™.