CREDIT & RISK

We assess clients' creditworthiness, to support Stellantis sales

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A team dedicated to credit analysis

We are a specialist team consisting of professionals from the sector with significant experience in the automotive field. The team guarantees quality, speed, flexibility and exclusive know-how on lending trends, to the benefit of Stellantis

Analysis, assessment and ratings

Starting from the financial statement data and with an approach that combines banking methodologies with deep business knowledge, we provide an opinion on clients' creditworthiness, assigning and updating their rating, also with an eye to the future

Credit assessment is subject to a three-level approval process triggered according to increasing risk exposure.​



Management and support

We manage the already granted lines of credit, define the policies and operating procedures for day-to-day operations, and coordinate the operational activities of the internal approval committees. Additionally, we support the credit departments of our companies and offer financial consultancy to the Stellantis group entities and third parties.​

CRIXP - Credit Risk Informatic Xperience

CRIXP is web-based software owned by Fidis S.p.A. which makes it possible to calculate client ratings, in order to support the decisions for the granting of lines of credit and the taking on of risks. The tool is highly customised, thanks to twenty years' experience in the automotive credit sector.
Created in 2001, the tool has constantly evolved, up to the release in 2020 of a completely re-engineered version: CRIXP - Credit Risk Informatic Xperience. 
Around 200 analysts in 36 countries use CRIXP on a daily basis and it now has a database of 10.000 clients and 300.000 financial statements. The software is also used by Ferrari and is acknowledged as a key tool by third-party factors.