Grow arc · Lead to Cash

CLARA

Credit Limit Approval and Risk Analyser

To assemble the complete credit position and apply your policy, so good orders move and real risk still stops.

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Employee IDPXN-L2C-004

CLARA

Credit Limit Approval and Risk Analyser

Position
Credit Decisioning
Value chain
Lead to Cash
Reports to
CFO
Measured on
Credit decision cycle time
Authorised · Logged · ReversibleRuns in CRM and Finance

How much good revenue is stuck at your credit gate right now?

The question CLARA is hired to answer. The chart shows who holds the position and where the decision goes when it is not CLARA's to make.

Work chart

  1. AccountableCFO
  2. Position held byCLARA
  3. Escalates toCFO delegate · Risk owner · Collections · Commercial leadership

With CLARA in the roleThe full position was ready before the order arrived, so good revenue moved in minutes, and real risk still stopped at the gate.

CLARA assembles the position, computes utilisation and headroom, identifies disputes, prioritises blocked orders. Approve, approve with conditions, reduce, hold or escalate, with evidence and reasoning.

Watch CLARA move good revenue through the credit gate in minutes

The complete credit position is assembled before the order arrives, so good orders move in minutes while real risk still stops at the gate. Your policy, applied the same way every time.

Meet CLARA | Credit Decisioning Digital Coworker | ProxyN.aiOpen on YouTube

The number CLARA is measured on

Every digital coworker is hired against one primary measure, agreed and baselined before build. The others are read alongside it so the primary cannot be moved at their expense.

Primary measure

Credit decision cycle time

  • Revenue released without added risk
  • Order holds cleared before dispatch
  • Credit-risk performance maintained
  1. 01

    Good revenue released in minutes, because the position exists before the order arrives

  2. 02

    Real risk still stopping at the gate, on evidence rather than on who escalated hardest

  3. 03

    Disputed balances distinguished from payment failures, so a commercial disagreement is not read as credit deterioration

  4. 04

    The whole book reviewed, not only the accounts that raised an exception

  5. 05

    Every decision defensible after the fact, what the position showed at the time, and whether policy was applied

What CLARA does alone, and what stays with your team

CLARA reports to the CFO. Anything outside the written boundary goes to CFO delegate, risk owner, collections or commercial leadership, with the evidence attached.

“Authorised. Logged. Reversible.”

Authority, and yoursPXN-L2C-004
Does this aloneAssembles the position · computes utilisation and headroom · identifies disputes · prioritises blocked orders
RecommendsApprove, approve with conditions, reduce, hold or escalate, with evidence and reasoning
EscalatesMaterial limit changes → credit manager, then CFO delegate by threshold · Deteriorating payment patterns, disputed identity and adverse external signals → human credit authority · Policy exceptions → the risk owner · Disputed holds → sales and finance jointly
CFO
ProxyN outcome lead

CLARA's skills, and the workday

CLARA prepares the credit decision, refreshes the evidence pack, reads exposure and payment history, computes utilisation, recommends a limit and review date, proposes security or payment conditions, routes authority, sets or releases a block only where delegated, writes the decision and rationale back.

  • Assembles exposure, limits and utilisation including orders in flight
  • Analyses payment behaviour and ageing
  • Identifies disputed items inflating the balance
  • Applies credit policy with the reasoning stated
  • Models headroom and scenarios
  • Reviews limits across the book against current trading

  1. Reads from CRM and Finance

  2. Prepares the credit decision

  3. Refreshes the evidence pack

  4. Reads exposure and payment history

  5. Computes utilisation

  6. Recommends a limit and review date

  7. Proposes security or payment conditions

  8. Routes authority

  9. Sets or releases a block only where delegated

  10. Writes the decision and rationale back

  11. Your team decides

The other digital coworkers in Lead to Cash

Each role understands the work either side of it. See how Lead to Cash runs end to end.

Get started

Stop Buying Platforms. Start Hiring Outcomes.

Bring one workflow and the person accountable for it. In the first session we map the process, establish the baseline logic and tell you whether there is a number worth signing. If there is not, we will say so.

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