At a glance
Anomaly alert: credit hold count or value rising >2 standard deviations above baseline. Signals tightening credit policy or worsening customer payment behaviour.
| What it counts | Statistical anomaly on credit hold trend vs trailing 90D baseline. |
| Currency | Reporting ledger. |
| Time window | 30D |
| Alert trigger | credit holds up >2σ vs baseline |
| Roles | owner, finance |
Calculation
Calculated automatically from your Oracle ERP Cloud data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.Worked example
Baseline 22 holds / week; this week 48 holds. 2.3σ above baseline = alert fires. Drill: 18 of the 26 new holds are from one customer cohort tied to seasonal-end timing. Not systemic but worth tracking.Sibling cards merchants should reference together
| Card | Why pair |
|---|---|
| Orders on Credit Hold | Underlying. |
| Customer Credit Utilisation | Cause. |