Intelligence That Collects Before Debt Exists

Credit risk in subscriber-based businesses is not created at billing it is created through delayed actions, fragmented data, and lack of visibility across subscribers, partners, and services. The AI-Integrated Credit Control Management System by In Centre Solutions is engineered to prevent revenue loss before it happens, not after it is written off. Deeply embedded within our Subscriber Management System (SMS), this solution continuously analyzes subscriber behavior, payment patterns, service usage, partner exposure, and historical risk signals. Instead of static credit limits or manual follow-ups, the system dynamically adjusts controls, enforces rules in real time, and orchestrates automated recovery workflows across DTH, CATV, IPTV, OTT, VOD, Triple Play, and Local Cable Operator ecosystems. From subscriber-level risk scoring to LCO and distributor exposure management, the platform transforms credit control into a predictive, self-governing revenue protection layer ensuring cash flow discipline without compromising customer experience.

credit control

Architecting Credit Discipline Into Subscriber Operations

This AI-Integrated Credit Control Management System embeds financial governance directly into your subscriber lifecycle ensuring risk awareness, policy enforcement, and revenue protection operate continuously and intelligently in the background.

AI-Driven Credit Risk Scoring

Real-time credit risk scoring for subscribers, LCOs, distributors, and agents

Behavior-based scoring using payment delays, recharge gaps, usage drops, and complaints

Continuous score recalibration without manual intervention

Dynamic Credit Limit Management

Auto-adjusting credit limits based on risk score and payment discipline

Separate credit limits for subscribers, LCOs, distributors, and enterprise accounts

Temporary credit extensions with automatic expiry logic

Pre-Dunning Intelligence Engine

AI identifies accounts likely to default before the due date

Early soft alerts triggered for high-risk profiles

Preventive nudges to reduce risk instead of post-failure recovery

Automated Dunning & Recovery Workflows

Rule-based reminder cycles via SMS, WhatsApp, in-app notifications, and IVR

Escalation paths triggered based on non-response

Automatic handover to field collection or partner teams

Real-Time Service Control & Enforcement

Automated partial or full service restriction based on credit policy

Grace period enforcement without human intervention

Intelligent throttling instead of abrupt disconnection

LCO & Distributor Exposure Control

Live visibility into partner-wise outstanding exposure

Automatic blocking of downstream activations when credit limits are breached

Hierarchical credit enforcement across partner chains

Field Collection Alignment Module

High-risk accounts automatically assigned to field agents

Geo-tagged recovery visits for accurate tracking

Priority routing based on exposure value

AI-Powered Aging & Recovery Analytics

Predictive aging buckets for forward-looking analysis

Forecasted bad-debt risk dashboard

Recovery probability scoring per account

Policy Engine & Rule Orchestration

Configurable credit policies per service, region, or partner

Time-based, value-based, and behavior-based rules

No code changes required for implementation

Exception & Override Governance

Controlled overrides with an approval matrix

Full audit trail of manual interventions

AI learns from override outcomes to improve future decisions

Finance & Billing System Sync

Seamless integration with billing, invoicing, and accounting systems

Real-time outstanding reconciliation

Zero manual data duplication

Compliance, Audit & Control Logs

End-to-end credit decision auditability

Regulatory and internal compliance readiness

Tamper-proof activity logs

what are the benefits of using our credit control management system

This AI-Integrated Credit Control Management System embeds financial governance directly into your subscriber lifecycle ensuring risk awareness, policy enforcement, and revenue protection operate continuously and intelligently in the background.

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Frequently Asked Questions

Traditional systems react after non-payment. Our AI-integrated credit control predicts risk early, adjusts limits dynamically, and enforces actions automatically—before revenue is lost.
Yes. The system manages prepaid misuse risk, postpaid exposure, hybrid plans, and partner credit simultaneously within one framework.
Absolutely. Credit policies can be uniquely defined for subscribers, LCOs, distributors, enterprise accounts, and regions.
No. The system uses progressive enforcement—soft controls, partial restrictions, and intelligent grace handling before any hard action.
Yes. The platform is designed for high-volume, multi-country operations with distributed partner ecosystems.
Yes, with governance. Overrides are permission-based, logged, and continuously analyzed by AI for future optimization.
Deployment is modular and fast, with seamless integration into existing In Centre Solutions SMS environments.