Diseñar un modelo de crédito y cobranza para mejorar la gestión en la recuperación de cartera.

Abstract

The recovery of an overdue portfolio is a fundamental procedure for the optimal functioning of a company, that is why all companies must have managements and collections that are effective, thus decreasing the percentages of the overdue portfolio and thus seek the increase of economic indicators of the company, for this it is essential to create models to improve these recovery techniques, these must be unique and with objectives according to each need; Below is a credit and collection model to improve portfolio recovery management, which has a manual that optimizes the collection method by categorizing customers, it is important that the people in charge of the area can have a better management and characterization of each of the users and also deeply understand the importance of the management that is being carried out, in the end we will seek to have a real state of the clients and in 4 parallel to monitor the credits granted to mitigate the debts and their increase the intensity of the charges.