Propuesta de estrategia de cobranzas para reducir el índice de morosidad mediante al análisis de riesgo de crédito orientado a la segmentación de cartera en una empresa de telecomunicaciones

Abstract

The objective of this degree work is the credit risk analysis oriented to portfolio segmentation in a telecommunications company called Astronetv Cía. Ltda., where delinquency has become an alarming issue for the immediate liquidity of the company and its financial sustainability. Through the use of tools such as Rstudio we seek to analyze the probability of a customer falling into arrears through a set of demographic variables such as age and parish, etc., and payment behavior variables such as number of payments, and payment behavior variables such as the number of cuts in which the client has incurred in a period of two years, the days of maturity of its balance and the overdue balance, all this in order to provide a benchmark of the probability of a scenario of default, to this is added the portfolio segmentation where the relevant variables of the credit risk model are combined with the results obtained from the model, The purpose of this is to group the client portfolio into segments with similar characteristics, resulting in high, medium and low risk segments with the objective of implementing a collection strategy aimed at personalizing the collection effort with each segment in order to benefit the company in the recovery of its overdue portfolio and the prevention of future delinquency scenarios, and additionally to the clients in the satisfaction of non-invasive service.