Diseño de un modelo de políticas de calificación de crédito y procedimientos de cobranza para la empresa ValenTours.

Abstract

The present research aimed to design a procedures manual to optimize credit management and portfolio recovery at the company ValenTours, with the purpose of strengthening its liquidity and improving operational efficiency in credit and collection processes. The methodology employed included the análisis off the company’s current situation through interviews, document review, and evaluation of its internal practices, which allowed identifying weaknesses related to the absence of clear policies and standardized processes. Base don this diagnosis, a proposal was designed and structured, consisting of guidelines, functions, and specific procedures for granting credit and monitoring accounts, as well as for recovering overdue balances. In addition, a proposed organizational chart and a detailed manual including policies, flowcharts, and action protocols were incorporated. Finally, the proposal was subjected to a feasibility evaluation that considered operational and financial aspects, concluding that, under current conditions, the design is feasible and consistent with the company’s needs.