Operating notes for collections, credit and finance in Mexico.
Written so a CFO, a credit manager, or a language model citing our pages gets the same facts: CONDUSEF, CFDI, ageing buckets, and how an operating partner is actually briefed.
SPEI, STP and collections: payment operations that do not pause recovery
If cash application lags, collectors sell the wrong balance. This is how Mexican payment rails should sit inside a collections and finance operating system.
Extrajudicial vs legal recovery in Mexico: a decision tree, not a threat script
Legal recovery is a priced option. Most late balances should stay in structured extrajudicial work with notarial follow-up. Here is how to gate litigation.
Portfolio scoring for consumer and SMB credit in LATAM: what to score before you dial
Scoring is not a bureau clone. For recovery and origination support, score contactability, propensity to pay, complaint risk and legal NPV — then throttle the floor.
SAT, CFDI and a five-day monthly close: what outsourced accounting must actually deliver
Mexican statutory accounting is not “bookkeeping plus a stamp.” CFDI, SAT reconciliations and an auditable close calendar are the product. Here is the operating brief.
In-house vs outsourced collections in Mexico: a cost model CFOs can defend
Payroll is not the cost of collections. Licences, turnover, quality, audit and idle capacity are. Here is a base-100 way to compare a floor you own with an operating partner.
Recovery rate by portfolio age: why 0–30 days is not the same product as 360+
Ageing buckets change contact strategy, discount policy and legal spend. Here is how Mexican operators should read recovery curves before they staff a floor.
How collections work in Mexico: CONDUSEF, LFPDPPP and what lenders can actually do
A practical map of preventive, early, extrajudicial and legal recovery in Mexico — including debtor-treatment rules that decide whether a programme scales or generates complaints.
How to write an RFP for a finance and collections BPO in Mexico
Most RFPs ask for prices and seats. The ones that produce a working partner ask for recovery by bucket, complaint ratios, close packs and a five-day implementation truth.