Política de crédito e cobrança: ações para redução da inadimplência na loja X

Abstract

The main objective of this work was to analyze the company's credit policy and current charge, identify flaws in the granting of credit and present the most appropriate plan for registration, credit and charges for X store. This research was classified as descriptive and exploratory. As for the approach to the problem, the research is defined as quantitative and qualitative. The study starts in its theoretical framework and methodology, and then the results were presented, where the company was first contextualized, reporting a little of its history, its default rate and current practices related to credit and charges processes. As an improvement proposal, for example, it was recommended that the company adopt strategic methods, which include establishing a credit limit to avoid extrapolations. It was also suggested that the company focus on performing and updating registration, asking the customer for all the documents necessary for analysis. It is concluded that if the proposal is implemented by the company, the default risks can be minimized.