Diseño de estrategias financieras para mejorar las eficiencias de la cartera castigada del banco Scotiabank Colpatria
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Date
2021-08-11
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Corporación Universitaria Minuto de Dios
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Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
Esta investigación surgió para mejorar los resultados de las eficiencias de la cartera
castigada del banco Scotiabank Colpatria, se recopilara a información de los resultados de seis
meses de noviembre 2020 hasta abril del presente año para poder determinar y analizar
diferentes aspectos y falencias del banco, de las agencias externas de cobranzas que son las
encargadas de administrar el portafolio castigado, y de los asesores de cobranzas que son la base
de la recuperación diaria y del buen servicio Integral que se debe prestar.
En la presente investigación se analiza la base de datos de la cartera castigada del banco
Scotiabank Colpatria determinando las oportunidades de mejora para así poder diseñar
estrategias y tablas de control de una forma práctica, para mejorar a mediano plazo las
eficiencias de recaudo y de reducir el gran volumen de clientes morosos que se tiene en el
portafolio, diseñando procedimientos de cobros, seguimiento continuo y acompañamiento con
los beneficios de condonación que se les puede ofrecer a los deudores.
Esta investigación servirá como base para las personas o empresas que necesitan planes o
acciones para la recuperación de cartera, para la gestión de cobranzas, y para el control o
segmentación de la asignación que se está manipulando.
This research arose to improve the results of the efficiencies of the written-off portfolio of the Scotiabank Colpatria bank, information on the results of six months from november 2020 to April of this year will be compiled in order to determine and analyze different aspects and shortcomings of the bank, from the external collection agencies that are in charge of managing the penalized portfolio, and the Collection Advisors who are the basis of the daily recovery and good service Comprehensive that must be paid. Through the results, this research was analyzed with statistical data determining the opportunities for improvement in order to design strategies and control charts in a practical way, to improve collection efficiencies in the medium term and reduce the large volume of delinquent clients. That is in the portfolio, designing collection procedures, continuous monitoring and accompaniment with the forgiveness benefits that can be offered to debtors. With this investigation, managers will help to make decisions in a more coordinated controlled manner, trying to reduce different factors, and that their timely collection will allow to cover financial expenses and minimize budgeted provisions. This research will serve as a basis for people or companies that need plans or actions in the month for portfolio recovery, for monitoring, and for controlling the allocation that is being manipulated.
This research arose to improve the results of the efficiencies of the written-off portfolio of the Scotiabank Colpatria bank, information on the results of six months from november 2020 to April of this year will be compiled in order to determine and analyze different aspects and shortcomings of the bank, from the external collection agencies that are in charge of managing the penalized portfolio, and the Collection Advisors who are the basis of the daily recovery and good service Comprehensive that must be paid. Through the results, this research was analyzed with statistical data determining the opportunities for improvement in order to design strategies and control charts in a practical way, to improve collection efficiencies in the medium term and reduce the large volume of delinquent clients. That is in the portfolio, designing collection procedures, continuous monitoring and accompaniment with the forgiveness benefits that can be offered to debtors. With this investigation, managers will help to make decisions in a more coordinated controlled manner, trying to reduce different factors, and that their timely collection will allow to cover financial expenses and minimize budgeted provisions. This research will serve as a basis for people or companies that need plans or actions in the month for portfolio recovery, for monitoring, and for controlling the allocation that is being manipulated.
Description
Diseñar Estrategias Financieras que permitan la mejora de las eficiencias de la cartera
castigada del banco Scotiabank Colpatria
Keywords
Recuperación de cartera, Gestión de cobranza, Morosidad, Portfolio recovery, Collection management, Delinquency