Default risk
Risk score per customer (A→D) based on the payment delay history.
The screen
The real screen, in the theme you picked above.
What you find on this screen
A portrait of the screen, read from the screen itself — it changes when the screen changes.
Available actions
Refresh
The list shows
RiskScoreCustomerOpenOverdueInvoicesAvg. delaySuggested action
Form fields
Clientes na carteiraQuantidade de clientes com título a receber em aberto na carteira.
Peso da faixa na carteiraProporção de clientes em cada faixa de risco de A a D.
Clientes na faixaQuantos clientes caem na faixa de risco A, B, C ou D.
Faixa de riscoFaixa de risco do cliente de A a D, corte do score de inadimplência.
Score de riscoScore de 0 a 100 de risco de atraso do cliente; maior significa mais risco.
Em abertoValor total de títulos do cliente ainda não recebidos.
VencidoValor de títulos do cliente já vencidos e não pagos.
Títulos vencidos sobre o totalQuantidade de títulos vencidos sobre o total de títulos em aberto do cliente.
Atraso médioMédia de dias de atraso dos títulos do cliente.
Precisão da previsãoDos clientes marcados como alto risco no retrato-base, quantos de fato atrasaram.
Alcance da previsãoDos clientes que atrasaram hoje, quantos já tinham sido antecipados pelo score.
Retrato-baseCompetência do retrato de scores usado como referência da comparação.
Start here
How it works
The receivables portfolio is scored by customer. High score = higher risk of delay. Use it to prioritize collection on the highest-risk customers.
How to
Da faixa à ação: por onde começar a cobrar
Each band (A to D) shows the suggested action on its own card, and the "Suggested action" column repeats the guidance customer by customer — combine it with Overdue, overdue/total invoices and average delay to build the day's collection order. The top bar shows how the portfolio is spread across the bands, and the Tenkai reading (the screen's AI bar) sums up where to start. The Refresh button recalculates everything with current data.
Rules
How the score is calculated
Explainable heuristic: 40% of the % of overdue invoices + 40% of the average delay days (caps at 90d) + 20% of the overdue amount over the open amount.
Precisão e alcance: a previsão se mede sozinha
Every month a snapshot of the portfolio is kept (the "base snapshot"), and the screen compares what was predicted with what happened: Precision tells, of the customers flagged as high risk, how many actually defaulted; Reach tells, of today's defaulters, how many the score had anticipated. Both numbers appear in the accuracy block, next to the period used as the base. Without a previous snapshot the block warns that there is no way to measure yet — the yardstick starts to apply from the month after the first snapshot.
Frequently asked questions
O cliente nunca atrasou e está na faixa C. Por quê?
Falta de histórico: cliente novo ou com poucos títulos tem score baixo por não ter provado nada ainda, não por ter atrasado. A memória de cálculo mostra os fatores. Com os primeiros pagamentos em dia, a faixa sobe sozinha — e a previsão se mede contra o que aconteceu.
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