| # | Customer | Risk score | Band | Avg days late | % paid late | Overdue | Trend |
|---|
The score is a transparent blend of each customer's own payment history, how often and how far they pay late, weighted up when the trend is worsening. It is explainable by design, so the team can see why a customer is on the list, not just that they are. That is the finance-led point of difference against an opaque tool.