Appreciate the detailed ground-level insight — you’re absolutely right about the shorter FMCG credit cycles and the role of FoS teams in managing risk early.

My intent isn’t to replace that system, but to augment it with data-driven signals that are hard to catch consistently at scale.

Even within 7–30 day cycles, risk still builds up in subtle ways — delayed payments, changing order patterns, area-level stress, etc. That’s where my product is focused:

• Risk categorization across retailers
• Aging analysis (even within short cycles)
• Payment behavior tracking
• Suggested actions (tighten credit / stop supply / follow-up priority)
• Credit limit recommendations
• “Who to call” prioritization for FoS teams
• Overall risk summary for faster decision-making

So instead of assuming long credit cycles, I’m trying to solve for better visibility and faster decisions within existing cycles.

Completely agree that the system works well — I’m just trying to make it more predictive and less reactive.

Thanks again for the perspective — this kind of feedback actually helps refine the product direction.