PoD® Beta Insights: What 64 Credit and Risk Professionals Found
What’s inside:
- The headline numbers from a three month beta with 64 risk professionals
- How quickly users trusted the score, and how often they went on to use it
- The different credit workflow decisions they pulled PoD® into
- Feedback from beta users, published as written
Most risk products launch on the strength of the model. We handed ours to credit and risk professionals for three months first, then asked them what they thought.
Beta users ran PoD® in their own work, on real companies and real decisions. We surveyed them twice. Once early, on whether the score made sense. Once later, after weeks of daily use, on whether it had earned a place in their process. Sixty four people answered. This report sets out what they said in full.
What is PoD®?
PoD®, or Probability of Distress, puts a probability on a company entering financial distress in the next twelve months. It is expressed as a percentage and a “1 in x” figure, so a credit team can size the risk rather than interpret a band. It shows the factors moving the score, and it sits alongside H-Score® rather than replacing it.
What the beta found
- 91% rated PoD® 5 or higher for usefulness, where 7 is the top of the scale
- 5.99 out of 7 average across every clarity and design measure
- 70% trusted it as an indicator of financial distress within weeks of first use
- 71% of the people who used it were using it at least weekly
- 72% said continued access mattered to their organisation
Distress leaves signals months before a filing confirms them. PoD® reads them while there is still time to act. PoD® releases on 21st October 2026.
Risk isn’t measured anymore. It’s predicted.
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