Metodología para la obtención de un modelo de cobranza de créditos masivos. Desarrollo y obtención de un modelo de score.

Abstract

The permanent growth of consumption in Ecuador has increased the supply of credit in different business lines generating the increase of consumer indebtedness in some sectors, which has hampered the recovery of capital by credit originators, which have delegated the responsibility of collection to specialized companies to manage and recover their portfolio. This increase in volume requires collection companies to optimize their resources to recover as much capital as quickly as possible, so that the implementation of a conceptual model of management is necessary, as well as the development of statistical models for determining the likelihood of recovering the credit obligation. This paper describes the characteristics of the management model and development of a behavioral scoring model, applied to optimize business resources and improve the results of recovery.