Case Study: Natura &Co achieves unified credit decisioning, reduced credit risk and increased revenue with FICO® Platform

Natura &Co leverages FICO® Platform to foster a better future

Natura &Co is a Brazil‑based global beauty group that brings together Natura, The Body Shop and Avon, operating in 100+ countries with 7.7 million representatives in a direct‑sales model. The company faced fragmented, region‑based credit decisioning across its brands, which limited accurate, individual credit assessments, constrained approvals, and raised credit risk and collections costs.

Using the cloud‑based FICO® Platform (and its Natura &Co Pay financial services), Natura &Co unified credit decisioning, deployed advanced analytics and responsible AI, and sped policy changes. The result was higher, more sustainable credit approvals, reduced unpaid debts and collections costs, stronger representative engagement and female entrepreneurship—and measurable gains such as Avon’s 70%+ reduction in bad‑debt indicators, a 30% rise in active sellers per campaign, and 90%+ automation of limit increases.

Natura &Co

Lavinia Bernal

Credit Risk Director