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The SAP Cloud Platform app, SAP S/4HANA Finance Cloud for credit integration, is helping companies provide their credit teams more choice in the external credit data they can integrate in their customer credit risk scorecards.

In this cloud service, SAP handles the technical integration of leading credit agency data into ECC and S/4HANA systems. This means there's no uncertainty about the cost impact to your IT budget for adding this capability to your credit processes.

Companies can then use external ratings as part of their scoring approaches – leading to more confidence in rating accuracy and higher rates of automation.

In the standard delivery, certain key data fields like rating, industry code and foundation date are taken from the credit agency XML datastreams and processed by the SAP Credit Management system in rating scorecards. But, since every company has a different scorecard with different factors according to their customer credit portfolios, we need to enable additional data fields that are available in rating agency databases for automated pass-through into the ECC and S/4HANA system and scorecard.


In March 2017, SAP provided an implementation example of the Business Add-In (BAdI) with sample coding needed to pull additional data fields from the XML data formats that the rating agencies send to the SAP Cloud Platform service. This sample can easily be copied and adjusted to meet your particular credit team's requirements.


This means that all of the data that is included in an agency’s credit reports, literally hundreds of data fields including financial reporting information, as well as profitability and liquidity indicators, can be used in automated analyses of customer creditworthiness.

Want to learn more about the most cost-efficient way to incorporate external credit ratings into your credit management processes?

Go to sap.com/receivables or http://help-legacy.sap.com/creditintegration for more information, and please see the SAP Note 2432940 for the technical details on this new flexibility feature.