Organize before making contact
Group receivables into aging brackets, such as up to 30 days, 31–90, 91–180 and over 180. Compare age with balance, customer concentration and payment history.
Time does not tell the whole story
Two receivables of the same age may require different strategies. Commercial disputes, recurrence, documentation and relationships inform the approach.
Turn analysis into action
Segmentation should guide contact sequences, channels and human intervention. Review the strategy as the portfolio responds.