Notes on structure, finance, and AI-powered content.
Practical writing for founders and operators choosing between stronger foundations and scalable marketing systems — or both.
Process efficiency in finance operations: monthly close, recon and contact rate as one system
Close days, auto-reconciled entries, portfolio contact rate and audit findings are not four dashboards. They are one operating system. Here is how to wire them.
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Cross-border collections: Mexico–US corridor without two conflicting playbooks
Groups that originate in one country and collect in another fail on data residency, consumer-law mix and cash rails — not on “culture.” Here is an operating split that works.
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.