Business Partner Scoring

The Challenge

Enterprises extend credit to hundreds of business partners without systematic risk assessment. Manual credit checks are slow, inconsistent, and rely on single data sources. When a supplier goes insolvent or a customer defaults, the financial impact cascades. You need automated, multi-source credit intelligence integrated directly with your SAP Business Partner master data.

Single-Source Risk Assessment

Manual credit checks depend on one or two sources, missing critical risk signals from alternative data providers and compliance databases

No Credit Tier Automation

Without consistent scoring, credit decisions vary by person—some partners receive favorable terms while identical risk profiles don't

Reactive Compliance & Insolvency Blindness

Risks emerge after contracts are signed. No early warning when a partner's financial health deteriorates or sanctions status changes

Key Features

✓

13 Data Sources Aggregated

Creditreform (Germany's leading credit bureau), D&B Direct+, Coface, ANAF, Termene, RisCo, plus 7 additional Romanian open data APIs. Comprehensive financial + compliance intelligence in one query

✓

Creditreform Integration

Direct API connection with Bonitaetsindex scoring (100–600+ scale), Probability of Default (PD) percentages, and 6 risk classes (I–VI) mapped to 12 major bank rating scales

✓

5-Factor Composite Scoring

Financial health (30%), Credit score (25%), Payment history (20%), Stability (15%), Company size (10%). Weighted algorithm produces automated credit tier allocation

✓

Compliance & Sanctions Screening

D&B sanctions list checking, PEP (Politically Exposed Persons) status, adverse media screening, ANAF fiscal status (inactive, split VAT, e-Factura compliance)

✓

Portfolio Risk Dashboard

Visual scorecards, risk heatmaps (Recharts), tier distribution pie charts, exposure analysis, aging reports, and KPI strip showing real-time portfolio health

✓

Automated Credit Allocation

5-tier credit system: Premium (80+, Net 90), Standard (65–79, Net 60), Prudent (45–64, Net 30), Restricted (25–44, Prepaid), Cash Only (<25, 100% advance)

How It Works

Collect

Enter Business Partner ID. System automatically fetches master data (name, address, country, postal code) from S/4HANA and queries all 13 configured data providers in parallel

Score

5-factor composite algorithm weighs financial health (Creditreform Bonitaetsindex), credit score (D&B, Coface), payment history, stability, and company size. Output: single risk score + recommended credit tier

Monitor

Dashboard displays portfolio exposure by tier, aging analysis, top risk partners, and real-time KPIs. Scheduled batch re-scoring detects changes in partner credit health

Act

Automated recommendations for credit limits, payment terms (Net 90/60/30, Prepaid, Cash Only), and escalations for sanction/compliance hits. Integrates directly with AR and procurement workflows

Technical Specifications

Platform

SAP BTP Cloud Foundry (256 MB per microservice)

Backend Stack

SAP CAP v9 + Node.js, Express 4.18+, Axios REST client

Frontend Stack

SAPUI5 1.139+ with Fiori Horizon design, React + Recharts analytics

S/4HANA Integration

Native OData V2 connection to API_BUSINESS_PARTNER, Cloud Connector for on-premise systems

Data & APIs

OData V4 backend service, Creditreform direct API, D&B Direct+, Coface, ANAF, and 9 additional providers

Security & Auth

XSUAA + Passport authentication, SAP Cloud SDK connectivity with resilience patterns, compliance-ready