Desarrollo de un modelo de credit scoring para la gestión de riesgo crediticio en clientes mayoristas de la empresa MOTDIS S.A.

Abstract

This thesis project focuses on the importance of establishing credit and collection policies within an organization to mitigate the risk of payment defaults by clients and to promote efficient portfolio management. Specifically, for MOTDIS S.A, a motorcycle importing and trading company, exposure to financial deterioration has been identified due to the lack of credit policies and protocols adapted to its current situation, as well as the considerable influence that accounts receivable have on the organization's assets. Consequently, this project includes a financial analysis from 2020 to 2023, along with a portfolio analysis to design a credit scoring model that assesses the risk in granting credit to wholesale customers and offers guidelines to improve portfolio management, standardize processes, and strengthen the company's image among stakeholders. This comprehensive approach benefits both the financial capacity and the workforce of the analyzed organization, as an improvement in the organization's financial capacity translates into more stable job positions. Additionally, it has a positive impact on suppliers and customers, thus contributing to a more reliable and transparent business environment.