Propuesta para la optimización de la gestión de la cartera en la empresa MPS Mayorista de Colombia
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Date
2024-09-25
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Publisher
Corporación Universitaria Minuto de Dios - UNIMINUTO
Type
Thesis
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Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
Para mejorar la gestión de cartera en las organizaciones dedicadas a la actividad comercial tecnológica, es crucial implementar procesos que aborden problemas como los altos índices del ciclo de pago. Para ello, se requieren procedimientos efectivos de comunicación con los clientes y el mejoramiento en la identificación y aplicación de pagos recibidos. Por tanto, el objetivo de esta investigación es generar una propuesta para optimizar la gestión de cartera en la empresa MPS Mayorista de Colombia S.A. El alcance propuesto es descriptivo, tiene un enfoque metodológico mixto y una población finita enfocada en la empresa. Asimismo, se realizó un análisis documental a través de un estudio de caso. Se encontraron problemas como la sobrecarga laboral en algunos cargos, la no especialización de tareas de cobro, y la falta de asignación de metas de recuperación y recaudo de cartera. Teniendo esto en cuenta, se propone especializar funciones, tener cargas laborales más equitativas, realizar seguimiento a la gestión de cobro y recuperación de cartera, establecer nuevas políticas en la gestión de cobro, implementar una meta de recuperación de cartera del 80% por cobrador, hacer seguimiento de metas diarias, semanales y mensuales, tener claras las etapas de cobro, realizar un guion del proceso de cobro, aclarar cómo abordar una llamada de cobro y generar una herramienta de seguimiento de cobro de cartera detallado en Excel donde se evidencie ágilmente los indicadores de cartera. Se concluye que al aplicar lo ya mencionado, se tendrá un mejor desempeño en el área de cartera.
To improve credit portfolio management in organizations engaged in technology business, it is crucial to implement processes that address problems such as delays in the payment cycle. Direct communication with customers and improvement in the identification and application of payments received are required to face the aforementioned problems. Therefore, the objective of this research is to formulate a proposal to optimize the credit portfolio management and collection in the company MPS Mayorista de Colombia S.A. The proposed scope is descriptive, has a mixed methodological approach and a finite population focused on the company. Also, a documentary analysis was conducted through a case study. Problems were found such as work overload in some positions, the lack of specialization of collection tasks, and the lack of assignment of goals for credit portfolio recovery and collection. Taking this into account, it is proposed to have specialized functions, more equitable workloads, follow up on collection management and portfolio recovery, establish new collection management policies, implement a portfolio recovery goal of 80% per collector, follow up on daily, weekly and monthly goals, have clear collection stages, create a collection process script, clarify how to approach a collection call and generate a detailed portfolio collection follow-up tool in Excel where portfolio indicators can be easily evidenced. It is concluded that by applying the aforementioned elements, there will be a better performance in the credit portfolio area.
To improve credit portfolio management in organizations engaged in technology business, it is crucial to implement processes that address problems such as delays in the payment cycle. Direct communication with customers and improvement in the identification and application of payments received are required to face the aforementioned problems. Therefore, the objective of this research is to formulate a proposal to optimize the credit portfolio management and collection in the company MPS Mayorista de Colombia S.A. The proposed scope is descriptive, has a mixed methodological approach and a finite population focused on the company. Also, a documentary analysis was conducted through a case study. Problems were found such as work overload in some positions, the lack of specialization of collection tasks, and the lack of assignment of goals for credit portfolio recovery and collection. Taking this into account, it is proposed to have specialized functions, more equitable workloads, follow up on collection management and portfolio recovery, establish new collection management policies, implement a portfolio recovery goal of 80% per collector, follow up on daily, weekly and monthly goals, have clear collection stages, create a collection process script, clarify how to approach a collection call and generate a detailed portfolio collection follow-up tool in Excel where portfolio indicators can be easily evidenced. It is concluded that by applying the aforementioned elements, there will be a better performance in the credit portfolio area.
Description
Generar una propuesta para optimizar la gestión de cartera en la empresa MPS Mayorista de
Colombia S.A.
Keywords
Accounts Receivable Management, Financial management, Optimization, Gestión de cartera, gerencia financiera, optimización