Read Your Credit Recovery Scorecard

The Credit Recovery Scorecard shows how your whole vendor credit recovery program is performing — how much credit the engine found, how much you requested, how much came back, and the recovery rate you're actually hitting. It's a reporting view over the credit memos you already generate, so there's nothing to enter and nothing to run. This guide explains what every number means and how to act on it.

Where to find it

Open Credits in your portal and select the Scorecard tab, alongside your statement buckets and settings. It fills in automatically once your monthly credit memos exist — if a store or vendor has no credit recovery activity yet, you'll see an empty state instead of the charts. Use the range picker in the top corner to scope the view to the last month, six or twelve months, a specific quarter, or all time.

The four numbers

Across the top, four tiles summarize the credit funnel for the range you've selected:

• Credit Identified Everything the engine found you could bill for — returns, waste, co-marketing, and aging. The caption calls out any co-marketing that was never requested because a promotion wasn't pre-approved.
• Credit Requested What actually went out on credit memos, with the memo count for the period.
• Credit Approved What vendors have said yes to. The caption shows how much is still pending a decision.
• Recovery Rate Approved credit as a share of decided credit — the headline health number.

How the recovery rate is calculated

Recovery rate is approved credit divided by decided credit, where decided means requested minus anything still pending a vendor decision. A memo the vendor hasn't answered yet doesn't count against you — it stays in pending until it's approved, adjusted, or declined. So the rate answers one clean question: of the credit that's actually been decided, how much did you win?

Where to focus

Below the four numbers sits a Where to focus callout. It looks across your three credit sources — returns and waste, co-marketing, and inventory aging — finds the one leaking the most recoverable credit (unwon plus, for co-marketing, never-requested), and names it along with the specific move that closes the gap. It only appears when the leak is material. The lever it hands you depends on the source:

• Co-Marketing — only pre-approved promotions are billable. Get vendor sign-off before a promo runs so identified margin loss becomes recoverable credit.
• Returns & Waste — keep return reasons documented in your POS. Only defensible reasons are billable, so clean documentation is what makes the credit stick.
• Inventory Aging — line up price-drop approvals before you mark product down. Pre-approved drops survive vendor silence; unapproved ones don't.

The charts, category cards, and detail table

Two charts give you the shape over time. Credit Funnel by Month stacks identified against requested against approved (with pending riding on approved), so a widening gap is a month you left credit unrecovered. Requested Credit by Source splits your monthly asks across the three sources.

Under the charts, each source gets a card showing its own recovery rate, its requested / approved / pending totals, a small monthly trend, and the coaching hint for that source. A monthly detail table lists every month with the same figures if you want the raw numbers or a row to export mentally. You can also filter the entire view to a single vendor to see how one brand really settles its credits.

What's in scope

The Scorecard is a display-only reporting view. It reads the credit memos your monthly recovery program produces and does the math — it doesn't chase a vendor or recover a dollar on its own. Sending memos and running the vendor conversation is still the approval workflow. And it covers your monthly credit recovery specifically: one-off manual credits and consignment-return credits sit outside it.