Standard SAP contains basic transactions to maintain risk categories and credit limits manually, without offering any automation to update these values. For this purpose, SOA People has built the credit management platform R4CM integrated in the order processing and financials within standard SAP. The platform aligns all relevant departments in a single source of truth and is interfaced to credit bureaus and trade credit insurers in real time. The functionalities in the platform extend those available in standard SAP for credit management and enables internal scoring procedures with free definable scorecards for an automated risk classification. It includes smart credit decision workflows and flexible dashboards both in GUI and FIORI for a complete and up-to-date credit risk overview.