*Project .Credit scoring modeling improvement .Project for changed way for provision and bad debt following IFRS9 .Modeling for probability of default and Expected credit loss from all possible default events(12 month ECL model and Lifetime ECL model) .Overdue management process improvement(Analysis of life cycle from credit risk management) .Profitability improvement *Credit analysis .Credit analysis for individual business operators(Transport brokerage, Transport, Aggregate & Sand, Limestone, Industrial waste) .Credit analysis for corporate business operators(Transport brokerage, Transport, Aggregate & Sand, Limestone, Industrial waste) .Contribution margin analysis of each contract .Cost analysis of each deal .Customer inquiry analysis for finding a chance to give customer more attractive deal .CVP analysis of each deal .ROI, ROWC, ICCF vs. OCF analysis *Collection support .Internal collection process(Warning letter, collecting overdue information(reason, trend, market), legal action support *Reporting .Performance report(Weekly) : Market share per region, Volume and margin per region, Analysis of target and actual performance, Overdue per region, Early-terminated contracts per region, Quotation and activation stats. .Overdue report(Weekly) : Weekly overdue list dividing Category(overdue classification per status) and trend report. .Analysis of overdue report : Collecting reasons and categorize for classification(Used for credit analysis) .Early termination trend .Ad-hoc report on request.

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*Review of expense claim(Operating expense, Selling and admin cost, marketing cost) *Contract review support(Installment contract with financing company)

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