Credit risk, KYB and business intelligence
Practical writing from the RisQo research team on assessing counterparties, verifying businesses, tracing ownership and turning company data into decisions.
Credit risk
Setting credit limits and risk appetite: a practical method
How to turn a credit score into a defensible limit: capacity, appetite, mitigation, group aggregation and event-driven reviews.
PD, LGD and EAD: expected loss explained for B2B credit teams
Probability of default, loss given default and exposure at default explained without the bank jargon, with a worked expected-loss calculation for a B2B credit portfolio.
Credit risk assessment: seven early warning signals that precede default
Late filings, slowing payments, new charges, ownership churn and other public signals that appear before a counterparty defaults — and what each one should trigger.
How to build a credit risk management framework
A written policy, entity verification, uniform scoring, commercial terms and continuous monitoring — the five parts of a credit risk management framework that holds up in practice.
KYB & compliance
Ultimate beneficial ownership: how to trace who really controls a company
How to resolve ultimate beneficial ownership through layered structures, what the 25% threshold means, and what to do when no owner meets it.
What is KYB? Know Your Business verification explained
What Know Your Business verification actually checks, why it differs from KYC, and the data sources a defensible KYB file relies on.
Our reference material on credit risk and business verification sits alongside the blog.
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Occasional writing on credit risk, KYB and business intelligence. No noise.