Dun & Bradstreet Collaboration

As part of our response to COVID-19., we have increased our use of real-time, granular data and forensic analysis. We are pleased to add Dun & Bradstreet data to these efforts - the industry's largest global shared payment database. As part of this initiative, we also now offer free international data cleansing and COVID-19 scoring for our clients. To learn more about this service, please message our team here or contact admin@bakering.global

COVID-19 has served to erode the accuracy of traditional risk models and credit data sets, which were developed to account for more predictable financial and geopolitical events. In response, Baker Ing believe we must embrace credit-risk algorithms which leverage real-time payment performance data.

Our collaboration with Dun & Bradstreet's global shared data programme makes this ambition a reality.

Such data-sharing motivates prompt payment and is proven to increase success rates in non-performing debtor segments.

Dun & Bradstreet owns the largest global shared payment database, providing real-time information on payment behaviour and default. Our collaboration ensures our clients' debtors are motivated to settle debts as early as possible and prioritise them over other, less well-connected creditors.

Hosted by Henry

We are excited to announce a new webinar series from Baker Ing, hosted by our very own CRO, Henry James Barrowclough.

Each instalment focuses on a different region as Henry brings together economists, senior leaders from the credit industry, and what he encourages to be an opinionated & interactive audience of credit professionals from across the globe. Let’s get to the bottom of the figures and what they mean for us in the months ahead.

Launching 18th March 2021 when we'll be looking at Eastern Europe and Central Asia.

Register at: www.hostedbyhenry.global

Speakers include:
The Baker Ing Economist Team
Robert Dyrcz, Polish Institute of Credit Management
Jon Swan, Head of Creditor Services, Hachette
Chris Snelson, Sr. Director Int. Credit, VF International
Mike Diette, Int. Credit Director, Harley Davidson International
Adrian Hyde, Partner, Begbies Traynor

Register to subscribe to Hosted by Henry and gain access to the Baker Ing Global Outlook report for this and future webinars.

Introducing debtmatrix...

We are excited to introduce our new collection platform; ‘debtmatrix’.

Two years of collaboration and iterative design, in partnership with international credit directors from around the world, has produced a solution which ensures process integrity and transparency for our clients, as well as delivering integrated live debtor intelligence.

Please get in touch for more information or to receive a demo of the platform.

New Global Insolvency Services

We have started to see a significant increase in insolvencies worldwide and, with that, increased demand for our services in managing these cases for our clients.

Given the somewhat concerning acceleration of such insolvencies, along with their increasing complexity due to larger companies coming under pressure, we are now advising all Baker Ing clients to consider managed global insolvency services.

We are delighted to launch our new Global Insolvency Service which will provide Credit Professionals with much needed support post Covid-19. Collaborating with Insolvency leaders, we ensure our clients' proxy and dividend are best protected. As the anticipated waves of Insolvency start to hit, and internal resource becomes a pressure point, please consider Baker Ing International to support you in your Global Insolvency requirements.

Please click here for more details: Global Insolvency Services or Contact us us for a full proposal.

Meet our new Legal Director

We are very pleased to welcome Liz Dotter to Baker Ing today. Liz joins as our new Legal Director. With over 20 years’ experience in the credit industry, she brings a wealth of knowledge and the  highest standards of service to our clients.

Liz began her career in credit straight from university, dealing with consumer litigation claims in the motor finance industry, She then moved into commercial debt recovery as a legal officer, and was promoted to senior management positions where she has managed a variety of global legal services ever since.

Liz Dotter; “I can't wait to take on my new role as Legal Director of Baker Ing Ing. I have lots of initiatives I want to get stuck into to ensure we deliver the very best service. I’m excited to meet all of our clients in the coming weeks – please don't hesitate to get in touch”.

We are working, and indeed living, in unprecedented times. Credit & Collections are more important than ever for international business success. Baker Ing continue our growth and expansion plans – investing in talent who can support our clients and exceed expectations.

You can connect with Liz on LinkedIn here.

Happy Easter

We would like to wish all of our colleagues, clients and business partners around the world a very Happy Easter. Whether you celebrate or not, we know many of you will be missing your loved ones at this time. We sincerely hope you are nonetheless able to take some time out to relax and recharge as much as is possible. Baker Ing are very much connected to our friends as a global community. The love, kindness and strong sense of humanity we have seen from you over the past weeks has been inspirational. Thank you and Happy Easter.


Continuity of Service

Baker Ing would like to reassure all our clients and partners of continuity of service at this unprecedented time.

We understand this is an incredibly challenging time for all of you around the world. We are here to support you and your businesses.

We are operating business as usual and are monitoring government guidelines in the UK and around the world. We are thankful that our operational model is designed such that it will be unaffected by remote working practices, which industry-at-large is now having quite suddenly to adapt to.

Our hybrid delivery model allows us to connect our clients with the most appropriate senior credit professionals, in-country, whom we support within a remote operational and technical infrastructure. Further, we have employed a decentralised operational model since Baker Ing’s inception, whereby unnecessary layers of business administration, communication and physical infrastructure is foregone in favour of greater devolved authority to our senior credit professionals on-the-ground, and a more direct and personal relationship with our clients. This thankfully means that not only are our employees used to working remotely but, they thankfully have been able to undertake social distancing measures early and with relative ease – reducing their exposure to transport and office environments.


Advisory Actions

At this time, we anticipate significant global cashflow problems and are advising our clients to move quickly to settle outstanding matters with maximum flexibility and pragmatism. Further, we advise our clients to undertake the following actions:

• Monitoring weekly cash collection versus prior year to see the impact.
• Listing all payments that customers have advised will not be made and determining how this will impact the aging at month end.
• Granting payment holidays in order to spread payments over Apr/May/Jun.
• Advising customers to seek financial support offered by the local country in order to meet its obligations, including our invoices.
• Assessing the impact on workload when this issue is over – plan for engaging temps or outsourcing for an extended number of months.
• Assessing bad debt provisions and making the business aware of the potential impact.


Global Impact

We are truly thankful that we are experiencing, and expect, no disruption to our operational model as a result of the social distancing measures and travel restrictions that are being introduced. Services are, and will, continue as normal. We will be doing everything in our power to support you and your business during this time.

We are working daily with our in-country lawyers across Europe, who are keeping us informed of changes to local legislation that may impact upon the collections and legal processes. We will keep our website updated at regular intervals as more information becomes available. Please register here to receive updates to your inbox: https://bakering.global/resources/register/

For the countries on ‘lockdown’, this will have a significant impact on all arrears, including retail and the court systems. Please note that any court actions currently underway in those countries will have a delay until the courts reopen and the backlog is then cleared.


And Finally

We would like to take this opportunity to thank all of our clients, partners and employees around the world for working with us. We are thinking of you and your loved ones at this time and we wish you all the very best of health. Do not hesitate to contact us if we can help you in any way at all. This is more than just business.


If you have any questions, would like further advice, or more information about how we are handling this crisis to ensure continuity of service, please contact us:

Sarah Ing: sarah@bakering.global
Lisa Baker-Reynolds: lisa@bakering.global


Sarah Ing, Director
Lisa Baker-Reynolds, Director

Baker Ing International Ltd.
Office 7, 35 Ludgate Hill, London EC4M 7JN, UK
Tel: +44 (0) 0207 871 1790


For the latest information on the pandemic, we recommend:






Credit Pulse 2020: Fashion & Luxury Apparel

In association with the AICDP, Baker Ing are proud to be a part of Credit Pulse 2020; the performance-benchmark and peer-review group for senior Credit Professionals dealing with credit-at-scale.

As the leading Debt Collection Agency to the Apparel sector, we are passionate in our support of the sector and as such, have commissioned the Credit Pulse 2020 Fashion & Luxury Apparel Report and Roundtable.

Having worked with this sector for over 20 years, we have seen great changes. This past year especially however, has been particularly tumultuous for many, with the pursuant impacts upon Order to Cash process, Sales and Credit Policies.

This project commences with the launch of the Credit Pulse Benchmark Survey.  The purpose of the survey, aimed at global leading fashion brands, is to deliver;

  • Aggregated position of growth versus decline and emerging country markets
  • Bad debt provision movement and loss against turnover trend
  • Order to Cash areas of focus; software, people, process, risk and payments
  • Common problems and areas of concern. Stakeholder engagement and ‘Best Practice’ development

Anyone is free to participate but we will however be segmenting the results to reflect the targeted nature of this project aimed at senior Credit Professionals within International Fashion & Luxury Apparel organisations. Confidentiality is, of course, assured.

We hope you will participate in the survey and take an interest in the report. You can access the survey here.

We will also be contacting a select number with invites to the subsequent Roundtable discussion. This will take place amongst a group of no more than 10 of the most seasoned and senior leaders in the sector at a venue in central London in early May. The discussion is to take place under Chatham House rules and presents an opportunity for great minds alike to tackle the outputs from the Credit Pulse report in-depth, amongst peers. Key insights will be shared with permission with all survey participants thereafter. Event page and registration to follow - in the interim, if you would like to be part of the Roundtable, please register your interest by contacting us or the AICDP.

We look forward to hearing your views and experiences. Should you have any queries or questions, please do not hesitate to get in touch.


Sector Briefing: Apparel & Fashion 2020

International Apparel is a client sector that Baker Ing are very much committed to supporting.
See our thoughts on the sector in 2020 and keep a look out for our new Industry committed data service in 2020