Air8 Supply Chain Finance

Risk Model Framework

Credit Intelligence Architecture · Data → Model → Output → Scenarios

✅ ARP Live ✅ Pre-Shipment Live 🚧 OBF In Planning v2.0 — For Review

Stage 01

📡

DATA

Sources · Attributes · Enrichment pipeline

Sources

222

Attributes

Scorecard

Dimensions

🔧 How to Get More Data 🧬 See in KB Graph ↓ KB-linked ▾

👤

Understand Persona

Supplier / Buyer / Funder / Insurer — who is the client and their role

⚠️

Identify Pain Points

Operational inefficiency, data gaps, risk blind spots — what keeps them up at night

🧬

KB Lookup

Match pain point to data need → identify which attributes are missing or weak

🔧

Provide Tools

WIP tracker, field survey, RM traceability, lab testing integration — right tool for the gap

📊

Data Collected → Score Uplift

Additional attributes enrich scorecard → same as rating increase trigger

Stage 02

🧠

MODEL

Risk scoring engine · 4 dimensions · Multi-version

Dimensions

Metrics

Versions

Products

📍 Model Evolution V1 → V5 ▾

💡 Click a version to see details

Stage 03

📊

OUTPUT

Back-testing · Rating triggers · Actions

Lane A

50%

Flag Threshold

Trigger Types

✅

Back-tested

🔁 Back-Testing End-2024 ▾

📅 Snapshot: Stand at end of 2024, calculate scores for all Lane A clients

🚩 Flag: Identify clients with >50% and >75% score increase / drop

📏 Inline check: X% of flags align with scorecard direction (TBD — fill after analysis)

🔎 Exceptions: Deep dive on non-aligned cases by reason category (in progress)

⚡ Action Triggers Rules ▾

📈

Rating Increase / More Data

Credit limit increase

Tenor / advance ratio uplift

More data = same benefit as rating up

🚨

Rating Drop / Critical Event

Critical factor drop → investigation

Event trigger → limit cap / suspend

Persistent / severe → exit

Stage 04

🗺️

SCEN.

Live products · Expansion roadmap

Live Now

Roadmap

🆕

OBF Next

💰

Capital+

✅ Now Live Active ▾

Pre-Shipment

RT2C

Production milestone

Post-Shipment

ARP

Invoice receivables

🚀 Expansion Roadmap Planning ▾

Pre-Shipment OBF

Order-based financing with WIP data + upstream traceability

Mini ARP — Low & Grow

Starter facility for emerging suppliers, grow with track record

Scorecard Capital Deployment

Loosen risk framework based on scorecard confidence → more capital

Feedback Loop & Pricing

Performance data → adj scorecard → improve pricing strategy

Funder Refactoring & Insurance

Funder capital refactoring · Insurer cover for pre-shipment loans

🧠

BD Intelligence Suite

Pre-visit prep · Smart outreach · Cold scheduling · Conversion uplift

BD Tool ▾

🔍

Pre-Visit Intel

Prep brief before every client meeting

Input — Company name or URL

BD enters company name; system auto-resolves LinkedIn, website, news

Websearch — Business snapshot

Recent news · Revenue signals · Key products · Trade routes · Export markets

KB Lookup — Risk & product fit

Country risk score · Industry outlook · Buyer concentration · Matching SCF product (ARP / Pre-Shipment / OBF)

Pain point mapping

Cash flow gap · Long payment terms · Buyer concentration risk · Working capital pressure

📄

Output — Client Brief

Business summary · Pain points · Recommended product · Suggested advance rate · Talking points

✉️

Smart Outreach

Auto-generate personalised client emails

Pull from client brief

Uses pre-visit intel output — pain points, product fit, company context

Select email type

Cold intro · Post-meeting follow-up · Proposal · Re-engagement · Event invite

AI drafts personalised email

References company name, industry, specific pain point, and matching Air8 solution

BD reviews & sends

Edit, approve, one-click send · CRM log auto-created · Follow-up reminder set

🎯

Output — Sent Email + CRM Log

Personalised draft · Sent record · Suggested follow-up date · Link to client brief

📅

Cold Scheduling & Capture

Automate meeting booking and track responses

Embed meeting link in outreach

Calendly / Teams link auto-inserted · Time slots pre-configured by BD availability

Response capture

✅ Booked · ⏳ No reply (auto follow-up D+3) · ❌ Not interested (log reason) · 🔄 Reschedule request

Auto follow-up sequence

No reply → reminder D+3 → value-add email D+7 → final check-in D+14 → archive

Hot lead flagging

Opened email 2×+ or clicked link → auto-flag for priority follow-up by BD

📊

Output — Pipeline Dashboard

Leads by stage · Response rates · Hot leads · Meeting conversion · Follow-up queue

3×

Response Rate

vs generic cold email

~15min

Prep Time

vs 2–3h manual research

Auto

Follow-up

Zero BD manual effort

↑ CVR

Conversion Rate

Personalised + timely outreach

🧬

Knowledge Base (KB) — Layered Graph

Persona ↔ Knowledge ↔ Data · Line thickness = relationship strength

▾

Persona Layer

Knowledge / Risk Layer

Data Source Layer

Weak relation

Strong relation