1. Technical Considerations for Implementing International Credit Projects Jay Tchakarov Director of Product Management HighRadius www.highradius.com

2. Company Overview

3. Founded 2006 fastest growing tech company specialized expertise in credit operations cloud-based and SAP-certified solutions credit | cash app | deductions | collections

4. Partial List of Customers

5. Credit Solutions Must-Haves

6. Effective Credit Decisions minimize low-value manual work focus analysts effort to maximum effect enable streamlined communication

7. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review

8. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Electronic applications and review process

9. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Identifies candidates for review based on periodic review, security expiring, credit limit, etc.

10. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Automatically collect supporting facts Integrate with ERP Aggregate financials Aggregate agency reports Automatically collect supporting facts Integrate with ERP Aggregate financials Aggregate agency reports

11. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Credit risk scoring prioritizes at-risk customers Predictive model Configurable rules Targeted strategies Propose credit limit adjustments Credit risk scoring prioritizes at-risk customers Predictive model Configurable rules Targeted strategies Propose credit limit adjustments

12. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Integration with order and delivery systems

13. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Credit check identifies orders and deliveries to be reviewed and/or blocked Configurable rules Targeted strategies Credit check identifies orders and deliveries to be reviewed and/or blocked Configurable rules Targeted strategies

14. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Clear presentation of information Integrated cross-functional communication Integrated review and escalation workflows Role-based visibility and security at the user level Clear presentation of information Integrated cross-functional communication Integrated review and escalation workflows Role-based visibility and security at the user level

15. Meeting International Needs

16. Impact on Multi-nationals organization and processes varying levels of risk across countries different drivers of risk different regulations and compliance different credit and insurance agencies

17. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review

18. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Easy to deploy model for multiple targeted application forms

19. Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Identify candidates for review based on insurance info

20. Insurance Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Integration with multiple sources and agencies Integration with insurance agencies Integration with multiple sources and agencies Integration with insurance agencies

21. Insurance Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Targeted rules and strategies that take into account different factors with different weights Formulas to bring down risk to standard scale Targeted rules and strategies that take into account different factors with different weights Formulas to bring down risk to standard scale

22. Insurance Credit Check Check Rules Scoring Engine Scoring Model 3 rd Party Assessment Characteristics (Payment History, Sales History) Financial Information Credit Cycle New Credit Application Periodic Reviews Sales Order Processing Credit Analyst Review Visibility from country- level to global-level Standard measure/scale of risk Global review workflow and escalation path Visibility from country- level to global-level Standard measure/scale of risk Global review workflow and escalation path

23. Conclusion

24. Requirements minimize low-value manual work focus analysts effort to maximum effect enable streamlined communication cross-country standardization minimize need to insure customers

25. Must Haves configurability paper to electronic standardization automatic credit data collection country-/segment-targeted credit rules integrated workflows and escalation