Service Credit Rating
An in-house rating agency: downgrade a service before the regulator does.
The job
Rates every product, service, department or partner the way a credit agency would, with outlooks, watch lists and a published method. Owners answer in writing for a downgrade long before a regulator or public index acts, and upgrades come only from verified improvement.
The moment
The app rates each service the way a credit rating agency would. In the Monday pack, the head of card disputes reads that the service has been downgraded to junk, with a negative outlook.
Beside it, a dissenting view argues the rating should be BB. The head of card disputes files a written response within three days.
Six weeks later, an upgrade is issued, not because anyone asked, but because the test set in advance shows the service improving.
The same week, a logistics partner's downgrade drafts a 10% shift of its volume elsewhere, which procurement approves in one tap.
What it does
- Approve a rating action
- Publish the bulletin and start the response clock
- Collect the owner's or partner's written response
- Draft a procurement change on a partner downgrade
- Issue an upgrade
- Link ratings to tickets as a filter
What you see
A credit-rating-agency bulletin: rating committee minutes with a dissent, letter ratings with outlooks and watches, multilingual press releases, and a ratings-history ladder
What it moves
The share of services or partners rated investment grade, BBB- or above, how often owners respond on time, and median days from a downgrade to a verified upgrade.
Built for
- Executives & leadership
- CX leaders & VoC
- Product & digital
- Risk & fraud
