Risk segmentation to support management's assessment using payment behaviour, exposure and relevant external intelligence.
Independent management consultancy · Dubai, UAE
Credit risk advisory for better-informed decisions.
We support finance teams and B2B businesses across Dubai and the UAE with an independent view of customer credit risk. Our analysis helps management evaluate receivables exposure, concentration, changing payment behaviour and accounts that may deserve closer attention.
Explore the diagnostic ↓Ageing tells you what is overdue. M&S adds an advisory view of the risk behind the exposure.
Questions we help management evaluate
Additional perspective for decisions that remain yours.
We interpret portfolio information, highlight areas that merit attention and provide recommendations for management to consider.
Analysis of limits, terms and concentration to inform management's assessment of risk and commercial priorities.
Potential early-warning signals drawn from ageing trends, payment deterioration and portfolio movements.
Recommendations for consideration, such as maintaining, reviewing, reducing, holding, escalating or investigating.
Start with the M&S Credit Risk Diagnostic
A structured advisory review of your portfolio.
A focused first engagement using your receivables and payment data to give management an independent view of customer risk, exposure and areas that may warrant attention.
Portfolio risk map
A segmented view highlighting material and potentially higher-risk exposures.
Exposure & concentration
Analysis of dependency on major buyers and concentrations that may amplify a loss.
Payment behaviour
Analysis of ageing and payment trends to highlight accounts that may be deteriorating.
Credit limit review
An advisory assessment of limits, terms and exceptions against observed risk and exposure.
Early-warning watchlist
A prioritised view of accounts management may wish to review, monitor or escalate.
Management recommendations
Practical options and governance improvements for management's consideration.
How we support your team
Review. Interpret. Advise. Support.
Our role is to strengthen management's view of portfolio risk. Your team retains ownership of customer relationships, credit policy and every final decision.
Review
We review receivables, payment history, limits and exposure.
Interpret
We interpret buyer risk, concentration and potential warning signals.
Recommend
We present findings, options and recommendations for management's consideration.
Support
We provide structured portfolio reviews when management requires ongoing advisory support.
An advisory partner to your finance team
We complement accounting and credit-control teams with an independent portfolio-level risk perspective. We do not replace their operational role or authority.
Management retains decision-making
Our work is advisory. Final credit limits, payment terms, customer actions and commercial decisions remain entirely with management. We do not provide debt collection, insurance placement, lending or transaction brokerage.
Start with a Credit Risk Diagnostic
Give management a clearer, independent view of portfolio risk.
Tell us briefly about your customer portfolio and the questions you would like our advisory review to support.