Trade Credit Insurers: How to Overcome the Challenge of Manual Processes and Rising Costs

Operational efficiency is a defining factor in trade credit management and insurance profitability. Every process from credit limit applications to claims handling impacts cost ratios and service quality. 

However, traditional manual workflows often slow down decisions, increase operational costs, and leave room for human error. To remain competitive, insurers and corporates must find ways to deliver faster, safer, and more cost-efficient outcomes. 

The challenge: manual processes and rising costs 

In many organisations, repetitive tasks dominate daily operations: reviewing applications, updating buyer data, validating limits, and generating reports. These manual processes create: 

• High administrative costs and resource pressure
• Inconsistent decision-making and errors
• Longer turnaround times for clients
• Reduced scalability as volumes grow 

As portfolios expand, these inefficiencies directly impact cost ratios and profitability, making automation not just desirable but essential. 

The solution: intelligent automation with CAM Credit 

CAM Credit automates key processes across credit management and underwriting, combining speed with control. Through configurable workflows and integrated rule engines, the system automatically: Collects and validates data from internal and external sources Assesses risk and applies decision rules Approves or escalates credit limits according to authority structures Generates reports and updates portfolios in real time By removing manual steps, CAM Credit enables organisations to process higher volumes of transactions with greater accuracy and lower cost. 

The benefit: faster, safer, more efficient operations 

Automation in CAM Credit improves both performance and reliability. 

For insurers and corporates: 

• Lower cost ratios through reduced manual workload
• Consistent, rule-based decisions for better compliance and quality
• Shorter turnaround times and improved service for clients 

For risk and compliance teams: 

• Embedded controls ensure decisions follow policies and authority limits
• Automatic documentation of every action for complete transparency
• Reduced exposure to human error or oversight 

Automation turns daily operations into a streamlined, reliable, and scalable process, one that supports both efficiency and governance. 

A foundation of efficiency through digitalisation 

Digitalisation is more than just faster workflows, it is about safer and smarter operations. With CAM Credit, SCHUMANN delivers a platform where automation reduces cost ratios, strengthens control, and accelerates decision-making. The result is a future-ready credit management process: efficient, transparent, and built for sustainable growth. 

By combining automation with proven governance and risk control, CAM Credit helps organisations achieve more with less effort, lower cost, and greater confidence.